Call reports 2025
BRIDGEWATER BANK — 2025
What BRIDGEWATER 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 | 5,126,909,000 | 5,288,800,000 | 5,350,634,000 | 5,398,413,000 |
| Total loans | 4,012,858,000 | 4,138,170,000 | 4,206,272,000 | 4,300,551,000 |
| Allowance for loan losses | 53,766,000 | 55,765,000 | 56,390,000 | 56,443,000 |
| Securities available for sale | 764,626,000 | 743,889,000 | 826,473,000 | 776,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,179,090,000 | 4,278,556,000 | 4,318,577,000 | 4,343,077,000 |
| Interest-bearing deposits | 3,370,929,000 | 3,448,874,000 | 3,470,132,000 | 3,397,299,000 |
| Noninterest-bearing deposits | 808,161,000 | 829,682,000 | 848,445,000 | 945,778,000 |
| Equity capital | 538,698,000 | 549,676,000 | 572,795,000 | 595,035,000 |
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 | 65,706,000 | 134,904,000 | 208,537,000 | 281,845,000 |
| Interest expense | 34,259,000 | 69,624,000 | 107,172,000 | 142,904,000 |
| Net interest income | 31,447,000 | 65,280,000 | 101,365,000 | 138,941,000 |
| Noninterest income | 2,079,000 | 5,231,000 | 7,234,000 | 10,301,000 |
| Noninterest expense | 17,730,000 | 36,285,000 | 55,779,000 | 75,568,000 |
| Provision for loan losses | 1,500,000 | 3,500,000 | 4,400,000 | 5,650,000 |
| Pretax income | 14,297,000 | 31,201,000 | 48,754,000 | 68,238,000 |
| Income tax | 3,476,000 | 7,585,000 | 11,763,000 | 16,213,000 |
| Net income | 10,821,000 | 23,616,000 | 36,991,000 | 52,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 532,236,000 | 546,513,000 | 561,397,000 | 577,942,000 |
| Total capital | 586,946,000 | 602,742,000 | 619,058,000 | 636,973,000 |
| Risk-weighted assets | 4,374,162,000 | 4,495,214,000 | 4,610,305,000 | 4,721,093,000 |