Call reports 2025
FIRST SUMMIT BANK — 2025
What FIRST SUMMIT BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 31,072,000 | 32,173,000 | 32,319,000 | 34,589,000 |
| Total loans | 16,838,000 | 17,309,000 | 16,786,000 | 18,390,000 |
| Allowance for loan losses | 216,000 | 208,000 | 209,000 | 230,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,573,000 | 27,638,000 | 27,634,000 | 29,936,000 |
| Interest-bearing deposits | 20,325,000 | 21,325,000 | 21,275,000 | 23,426,000 |
| Noninterest-bearing deposits | 6,248,000 | 6,313,000 | 6,359,000 | 6,510,000 |
| Equity capital | 4,427,000 | 4,477,000 | 4,624,000 | 4,594,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 487,000 | 981,000 | 1,478,000 | 1,892,000 |
| Interest expense | 115,000 | 237,000 | 366,000 | 495,000 |
| Net interest income | 372,000 | 744,000 | 1,112,000 | 1,397,000 |
| Noninterest income | 77,000 | 110,000 | 200,000 | 237,000 |
| Noninterest expense | 312,000 | 670,000 | 980,000 | 1,317,000 |
| Provision for loan losses | 0 | -8,000 | -7,000 | 14,000 |
| Pretax income | 137,000 | 187,000 | 334,000 | 304,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 137,000 | 187,000 | 334,000 | 304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,367,000 | 4,417,000 | 4,564,000 | 4,534,000 |