Call reports 2025
FIRST STATE BANK OF SAN DIEGO — 2025
What FIRST STATE BANK OF SAN DIEGO 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 | 78,021,000 | 76,514,000 | 69,098,000 | 73,718,000 |
| Total loans | 19,641,000 | 19,638,000 | 19,583,000 | 17,377,000 |
| Allowance for loan losses | 292,000 | 286,000 | 286,000 | 281,000 |
| Securities available for sale | 34,904,000 | 33,219,000 | 33,468,000 | 31,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,558,000 | 69,955,000 | 62,359,000 | 66,923,000 |
| Interest-bearing deposits | 46,943,000 | 46,604,000 | 40,528,000 | 43,563,000 |
| Noninterest-bearing deposits | 24,615,000 | 23,351,000 | 21,831,000 | 23,360,000 |
| Equity capital | 6,265,000 | 6,315,000 | 6,447,000 | 6,528,000 |
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 | 896,000 | 1,849,000 | 2,769,000 | 3,671,000 |
| Interest expense | 226,000 | 460,000 | 687,000 | 885,000 |
| Net interest income | 670,000 | 1,389,000 | 2,082,000 | 2,786,000 |
| Noninterest income | 57,000 | 117,000 | 182,000 | 249,000 |
| Noninterest expense | 558,000 | 1,126,000 | 1,747,000 | 2,369,000 |
| Provision for loan losses | 1,000 | -1,000 | 0 | 0 |
| Pretax income | 159,000 | 370,000 | 507,000 | 656,000 |
| Income tax | 0 | 0 | 0 | 6,000 |
| Net income | 159,000 | 370,000 | 507,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,522,000 | 6,520,000 | 6,464,000 | 6,532,000 |
| Total capital | 6,822,000 | 6,816,000 | 6,760,000 | 6,823,000 |
| Risk-weighted assets | 27,776,000 | 28,059,000 | 27,797,000 | 25,659,000 |