Call reports 2025
FIRST PORT CITY BANK — 2025
What FIRST PORT CITY 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 | 562,104,000 | 580,559,000 | 573,711,000 | 582,890,000 |
| Total loans | 456,921,000 | 461,040,000 | 467,226,000 | 469,785,000 |
| Allowance for loan losses | 5,902,000 | 5,953,000 | 6,135,000 | 6,289,000 |
| Securities available for sale | 45,673,000 | 44,152,000 | 43,548,000 | 42,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 507,831,000 | 523,772,000 | 514,320,000 | 521,339,000 |
| Interest-bearing deposits | 412,987,000 | 430,236,000 | 419,821,000 | 410,953,000 |
| Noninterest-bearing deposits | 94,844,000 | 93,536,000 | 94,499,000 | 110,386,000 |
| Equity capital | 50,666,000 | 52,741,000 | 55,116,000 | 57,774,000 |
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 | 9,071,000 | 18,340,000 | 27,950,000 | 38,016,000 |
| Interest expense | 3,374,000 | 6,758,000 | 10,102,000 | 13,172,000 |
| Net interest income | 5,697,000 | 11,582,000 | 17,848,000 | 24,844,000 |
| Noninterest income | 948,000 | 1,742,000 | 2,615,000 | 3,162,000 |
| Noninterest expense | 3,902,000 | 7,731,000 | 11,849,000 | 15,930,000 |
| Provision for loan losses | 180,000 | 340,000 | 520,000 | 700,000 |
| Pretax income | 2,563,000 | 5,253,000 | 8,094,000 | 10,818,000 |
| Income tax | 635,000 | 1,235,000 | 1,888,000 | 2,409,000 |
| Net income | 1,928,000 | 4,018,000 | 6,206,000 | 8,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,119,000 | 56,045,000 | 58,035,000 | 60,039,000 |
| Total capital | 59,582,000 | 61,508,000 | 63,623,000 | 65,611,000 |
| Risk-weighted assets | 436,471,000 | 436,438,000 | 446,413,000 | 444,988,000 |