Call reports 2025
BUSINESS BANK, THE — 2025
What BUSINESS BANK, THE 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 | 273,586,000 | 269,483,000 | 307,101,000 | 288,083,000 |
| Total loans | 143,380,000 | 150,271,000 | 159,809,000 | 186,828,000 |
| Allowance for loan losses | 1,172,000 | 1,285,000 | 1,410,000 | 1,869,000 |
| Securities available for sale | 76,725,000 | 59,375,000 | 70,516,000 | 29,676,000 |
| Securities held to maturity | 20,291,000 | 20,296,000 | 20,303,000 | 16,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,768,000 | 242,655,000 | 279,068,000 | 252,057,000 |
| Interest-bearing deposits | 242,009,000 | 234,581,000 | 267,637,000 | 246,223,000 |
| Noninterest-bearing deposits | 5,759,000 | 8,074,000 | 11,431,000 | 5,834,000 |
| Equity capital | 24,927,000 | 25,838,000 | 26,989,000 | 34,007,000 |
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 | 3,424,000 | 6,868,000 | 10,549,000 | 14,436,000 |
| Interest expense | 1,907,000 | 3,779,000 | 5,757,000 | 7,569,000 |
| Net interest income | 1,517,000 | 3,089,000 | 4,792,000 | 6,867,000 |
| Noninterest income | 20,000 | 38,000 | 55,000 | 73,000 |
| Noninterest expense | 1,471,000 | 3,041,000 | 4,735,000 | 7,681,000 |
| Provision for loan losses | 71,000 | 184,000 | 325,000 | 784,000 |
| Pretax income | 14,000 | 82,000 | -103,000 | -897,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 14,000 | 82,000 | -103,000 | -897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,091,000 | 26,400,000 | 26,357,000 | 34,211,000 |
| Total capital | 26,336,000 | 27,786,000 | 27,938,000 | 36,315,000 |
| Risk-weighted assets | 147,716,000 | 164,629,000 | 177,201,000 | 182,641,000 |