Call reports 2025
BANK INDEPENDENT — 2025
What BANK INDEPENDENT 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 | 2,787,828,000 | 2,782,071,000 | 2,861,338,000 | 3,009,302,000 |
| Total loans | 1,865,117,000 | 1,852,934,000 | 1,835,523,000 | 1,812,156,000 |
| Allowance for loan losses | 24,413,000 | 24,972,000 | 25,431,000 | 25,724,000 |
| Securities available for sale | 370,929,000 | 411,827,000 | 449,010,000 | 421,926,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,392,308,000 | 2,384,968,000 | 2,473,921,000 | 2,622,590,000 |
| Interest-bearing deposits | 1,860,022,000 | 1,851,734,000 | 1,939,638,000 | 2,078,769,000 |
| Noninterest-bearing deposits | 532,286,000 | 533,234,000 | 534,283,000 | 543,821,000 |
| Equity capital | 243,981,000 | 250,462,000 | 259,144,000 | 266,560,000 |
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 | 39,787,000 | 80,407,000 | 122,242,000 | 163,889,000 |
| Interest expense | 10,108,000 | 20,091,000 | 30,636,000 | 41,129,000 |
| Net interest income | 29,679,000 | 60,316,000 | 91,606,000 | 122,760,000 |
| Noninterest income | 5,743,000 | 12,622,000 | 17,684,000 | 24,103,000 |
| Noninterest expense | 26,505,000 | 52,905,000 | 78,754,000 | 105,158,000 |
| Provision for loan losses | 1,350,000 | 2,700,000 | 3,950,000 | 5,100,000 |
| Pretax income | 8,437,000 | 18,203,000 | 27,456,000 | 37,475,000 |
| Income tax | 1,984,000 | 4,062,000 | 6,209,000 | 8,539,000 |
| Net income | 6,453,000 | 14,141,000 | 21,247,000 | 28,936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 238,187,000 | 243,771,000 | 248,774,000 | 254,357,000 |
| Total capital | 262,602,000 | 268,743,000 | 274,205,000 | 280,231,000 |
| Risk-weighted assets | 2,178,735,000 | 2,160,230,000 | 2,132,865,000 | 2,103,595,000 |