Call reports 2025
BELL BANK — 2025
What BELL 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 | 14,499,349,000 | 14,066,290,000 | 14,135,435,000 | 14,443,599,000 |
| Total loans | 11,910,912,000 | 12,153,992,000 | 12,247,017,000 | 12,485,289,000 |
| Allowance for loan losses | 124,797,000 | 123,762,000 | 124,437,000 | 129,651,000 |
| Securities available for sale | 196,350,000 | 173,638,000 | 150,511,000 | 211,436,000 |
| Securities held to maturity | 259,000 | 258,000 | 257,000 | 256,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,679,006,000 | 12,025,413,000 | 12,045,776,000 | 12,375,717,000 |
| Interest-bearing deposits | 10,686,127,000 | 10,066,698,000 | 10,031,969,000 | 10,209,766,000 |
| Noninterest-bearing deposits | 1,992,879,000 | 1,958,715,000 | 2,013,807,000 | 2,165,951,000 |
| Equity capital | 1,370,693,000 | 1,395,221,000 | 1,420,014,000 | 1,412,593,000 |
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 | 169,947,000 | 341,518,000 | 517,759,000 | 695,162,000 |
| Interest expense | 99,677,000 | 194,075,000 | 288,978,000 | 375,974,000 |
| Net interest income | 70,270,000 | 147,443,000 | 228,781,000 | 319,188,000 |
| Noninterest income | 53,032,000 | 114,037,000 | 172,964,000 | 230,698,000 |
| Noninterest expense | 96,928,000 | 202,258,000 | 308,780,000 | 424,972,000 |
| Provision for loan losses | 4,000,000 | 4,000,000 | 5,500,000 | 11,750,000 |
| Pretax income | 26,367,000 | 59,206,000 | 91,438,000 | 115,892,000 |
| Income tax | 6,681,000 | 15,890,000 | 24,070,000 | 31,047,000 |
| Net income | 19,686,000 | 43,316,000 | 67,368,000 | 84,845,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,364,460,000 | 1,388,090,000 | 1,412,143,000 | 1,404,620,000 |
| Total capital | 1,493,526,000 | 1,516,121,000 | 1,540,849,000 | 1,539,790,000 |
| Risk-weighted assets | 11,483,861,000 | 11,628,000,000 | 11,875,160,000 | 12,221,011,000 |