Call reports 2025
NEW CENTURY BANK — 2025
What NEW CENTURY 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 | 72,659,000 | 76,607,000 | 81,006,000 | 85,100,000 |
| Total loans | 64,512,000 | 70,179,000 | 72,280,000 | 77,950,000 |
| Allowance for loan losses | 856,000 | 921,000 | 884,000 | 759,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,539,000 | 64,475,000 | 68,705,000 | 69,317,000 |
| Interest-bearing deposits | 52,630,000 | 58,486,000 | 61,646,000 | 62,109,000 |
| Noninterest-bearing deposits | 6,909,000 | 5,989,000 | 7,059,000 | 7,208,000 |
| Equity capital | 9,820,000 | 9,799,000 | 10,450,000 | 10,781,000 |
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 | 1,585,000 | 3,348,000 | 5,258,000 | 7,102,000 |
| Interest expense | 471,000 | 998,000 | 1,575,000 | 2,154,000 |
| Net interest income | 1,114,000 | 2,350,000 | 3,683,000 | 4,948,000 |
| Noninterest income | 120,000 | 277,000 | 508,000 | 656,000 |
| Noninterest expense | 796,000 | 1,612,000 | 2,419,000 | 3,251,000 |
| Provision for loan losses | 75,000 | 140,000 | 215,000 | 290,000 |
| Pretax income | 363,000 | 865,000 | 1,547,000 | 2,053,000 |
| Income tax | 10,000 | 33,000 | 63,000 | 89,000 |
| Net income | 353,000 | 832,000 | 1,484,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,820,000 | 9,799,000 | 10,450,000 | 10,781,000 |
| Total capital | 10,453,000 | 10,492,000 | 11,175,000 | 11,495,000 |
| Risk-weighted assets | 50,406,000 | 55,143,000 | 57,820,000 | 56,991,000 |