Call reports 2025
FIRST OPTION BANK — 2025
What FIRST OPTION 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 | 715,822,000 | 741,418,000 | 737,964,000 | 815,953,000 |
| Total loans | 441,672,000 | 451,397,000 | 456,665,000 | 466,545,000 |
| Allowance for loan losses | 3,870,000 | 3,957,000 | 3,986,000 | 4,347,000 |
| Securities available for sale | 69,578,000 | 77,440,000 | 82,357,000 | 98,575,000 |
| Securities held to maturity | 170,039,000 | 166,972,000 | 164,384,000 | 161,930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,912,000 | 669,416,000 | 647,173,000 | 735,370,000 |
| Interest-bearing deposits | 510,791,000 | 529,581,000 | 511,594,000 | 566,846,000 |
| Noninterest-bearing deposits | 140,121,000 | 139,835,000 | 135,579,000 | 168,524,000 |
| Equity capital | 43,225,000 | 44,843,000 | 47,631,000 | 49,751,000 |
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 | 8,232,000 | 16,636,000 | 25,338,000 | 34,230,000 |
| Interest expense | 3,516,000 | 7,080,000 | 10,582,000 | 14,021,000 |
| Net interest income | 4,716,000 | 9,556,000 | 14,756,000 | 20,209,000 |
| Noninterest income | 2,521,000 | 4,905,000 | 7,365,000 | 9,911,000 |
| Noninterest expense | 5,110,000 | 10,196,000 | 15,468,000 | 20,899,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 650,000 |
| Pretax income | 2,027,000 | 4,065,000 | 6,353,000 | 8,571,000 |
| Income tax | -14,000 | 76,000 | 150,000 | 236,000 |
| Net income | 2,041,000 | 3,989,000 | 6,203,000 | 8,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,195,000 | 59,189,000 | 60,597,000 | 61,992,000 |
| Total capital | 62,228,000 | 63,309,000 | 64,747,000 | 66,503,000 |
| Risk-weighted assets | 385,685,000 | 386,221,000 | 386,738,000 | 402,302,000 |