Call reports 2025
WATERMARK BANK — 2025
What WATERMARK 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 | 371,128,000 | 355,500,000 | 416,215,000 | 406,986,000 |
| Total loans | 296,510,000 | 302,319,000 | 326,844,000 | 339,174,000 |
| Allowance for loan losses | 3,650,000 | 3,813,000 | 4,078,000 | 4,391,000 |
| Securities available for sale | 12,640,000 | 12,210,000 | 11,105,000 | 9,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,336,000 | 298,626,000 | 357,881,000 | 347,005,000 |
| Interest-bearing deposits | 260,154,000 | 236,584,000 | 296,357,000 | 288,593,000 |
| Noninterest-bearing deposits | 55,182,000 | 62,042,000 | 61,524,000 | 58,412,000 |
| Equity capital | 49,751,000 | 50,994,000 | 52,477,000 | 53,856,000 |
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 | 5,896,000 | 11,780,000 | 18,197,000 | 24,880,000 |
| Interest expense | 2,266,000 | 4,393,000 | 6,646,000 | 9,080,000 |
| Net interest income | 3,630,000 | 7,387,000 | 11,551,000 | 15,800,000 |
| Noninterest income | 309,000 | 477,000 | 657,000 | 836,000 |
| Noninterest expense | 2,369,000 | 4,784,000 | 7,217,000 | 9,762,000 |
| Provision for loan losses | -198,000 | -48,000 | 202,000 | 502,000 |
| Pretax income | 1,470,000 | 2,839,000 | 4,500,000 | 6,083,000 |
| Income tax | 358,000 | 693,000 | 1,102,000 | 1,494,000 |
| Net income | 1,112,000 | 2,146,000 | 3,398,000 | 4,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,346,000 | 51,532,000 | 52,900,000 | 54,205,000 |
| Total capital | 54,294,000 | 55,625,000 | 57,267,000 | 58,755,000 |
| Risk-weighted assets | 331,539,000 | 327,437,000 | 355,996,000 | 363,871,000 |