Call reports 2025
U.S. CENTURY BANK — 2025
What U.S. 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 | 2,675,803,000 | 2,717,656,000 | 2,765,766,000 | 2,788,916,000 |
| Total loans | 2,036,212,000 | 2,113,318,000 | 2,130,966,000 | 2,189,257,000 |
| Allowance for loan losses | 24,740,000 | 24,933,000 | 24,964,000 | 25,500,000 |
| Securities available for sale | 275,139,000 | 285,382,000 | 324,179,000 | 307,490,000 |
| Securities held to maturity | 161,795,000 | 158,747,000 | 156,370,000 | 153,943,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,324,767,000 | 2,358,264,000 | 2,491,359,000 | 2,359,913,000 |
| Interest-bearing deposits | 1,704,080,000 | 1,750,765,000 | 1,871,375,000 | 1,761,219,000 |
| Noninterest-bearing deposits | 620,687,000 | 607,499,000 | 619,984,000 | 598,694,000 |
| Equity capital | 221,860,000 | 228,063,000 | 240,015,000 | 248,230,000 |
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 | 33,978,000 | 70,132,000 | 107,852,000 | 145,487,000 |
| Interest expense | 14,863,000 | 29,983,000 | 46,025,000 | 60,653,000 |
| Net interest income | 19,115,000 | 40,149,000 | 61,827,000 | 84,834,000 |
| Noninterest income | 3,716,000 | 7,253,000 | 11,215,000 | 14,740,000 |
| Noninterest expense | 11,343,000 | 23,204,000 | 35,477,000 | 49,004,000 |
| Provision for loan losses | 672,000 | 1,567,000 | 1,594,000 | 2,120,000 |
| Pretax income | 10,807,000 | 22,486,000 | 35,720,000 | 40,747,000 |
| Income tax | 2,620,000 | 5,457,000 | 8,685,000 | 11,040,000 |
| Net income | 8,187,000 | 17,029,000 | 27,035,000 | 29,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 252,507,000 | 262,180,000 | 273,382,000 | 273,343,000 |
| Total capital | 277,833,000 | 287,836,000 | 299,147,000 | 299,597,000 |
| Risk-weighted assets | 2,034,935,000 | 2,106,334,000 | 2,148,264,000 | 2,192,344,000 |