Call reports 2025
BANKMIAMI — 2025
What BANKMIAMI 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 | 40,477,000 | 80,678,000 | 140,910,000 | 183,349,000 |
| Total loans | 0 | 13,007,000 | 36,335,000 | 67,825,000 |
| Allowance for loan losses | 0 | 130,000 | 363,000 | 678,000 |
| Securities available for sale | 0 | 0 | 2,966,000 | 2,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,648,000 | 43,386,000 | 104,174,000 | 145,834,000 |
| Interest-bearing deposits | 2,401,000 | 38,951,000 | 89,916,000 | 123,173,000 |
| Noninterest-bearing deposits | 247,000 | 4,435,000 | 14,258,000 | 22,661,000 |
| Equity capital | 37,799,000 | 37,047,000 | 36,305,000 | 35,647,000 |
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 | 62,000 | 644,000 | 1,961,000 | 3,857,000 |
| Interest expense | 1,000 | 127,000 | 693,000 | 1,552,000 |
| Net interest income | 61,000 | 517,000 | 1,268,000 | 2,305,000 |
| Noninterest income | 0 | 16,000 | 28,000 | 38,000 |
| Noninterest expense | 1,159,000 | 2,520,000 | 4,046,000 | 5,730,000 |
| Provision for loan losses | 0 | 130,000 | 363,000 | 678,000 |
| Pretax income | -1,098,000 | -2,147,000 | -3,169,000 | -4,151,000 |
| Income tax | -247,000 | -544,000 | -804,000 | -1,029,000 |
| Net income | -851,000 | -1,603,000 | -2,365,000 | -3,122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,528,000 | 36,479,000 | 35,463,000 | 34,574,000 |
| Total capital | 37,528,000 | 36,639,000 | 35,882,000 | 35,338,000 |
| Risk-weighted assets | 8,665,000 | 25,981,000 | 45,771,000 | 83,059,000 |