Call reports 2025
ONE AMERICAN BANK — 2025
What ONE AMERICAN 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 | 385,899,000 | 385,147,000 | 368,370,000 | 356,547,000 |
| Total loans | 296,462,000 | 289,626,000 | 283,979,000 | 277,741,000 |
| Allowance for loan losses | 6,337,000 | 6,110,000 | 5,808,000 | 5,463,000 |
| Securities available for sale | 22,672,000 | 21,965,000 | 21,495,000 | 21,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,380,000 | 259,526,000 | 244,016,000 | 234,383,000 |
| Interest-bearing deposits | 237,812,000 | 240,802,000 | 224,821,000 | 215,937,000 |
| Noninterest-bearing deposits | 21,568,000 | 18,724,000 | 19,195,000 | 18,446,000 |
| Equity capital | 31,496,000 | 30,793,000 | 29,794,000 | 28,246,000 |
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 | 4,562,000 | 9,131,000 | 13,944,000 | 18,033,000 |
| Interest expense | 3,433,000 | 6,813,000 | 10,090,000 | 13,242,000 |
| Net interest income | 1,129,000 | 2,318,000 | 3,854,000 | 4,791,000 |
| Noninterest income | 220,000 | 445,000 | 916,000 | 983,000 |
| Noninterest expense | 2,937,000 | 6,253,000 | 8,827,000 | 11,246,000 |
| Provision for loan losses | 278,000 | 524,000 | 838,000 | 1,117,000 |
| Pretax income | -1,867,000 | -4,014,000 | -4,906,000 | -6,597,000 |
| Income tax | -764,000 | -774,000 | -972,000 | -972,000 |
| Net income | -1,103,000 | -3,240,000 | -3,934,000 | -5,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,385,000 | 31,748,000 | 31,054,000 | 29,363,000 |
| Total capital | 34,995,000 | 34,265,000 | 33,507,000 | 31,757,000 |
| Risk-weighted assets | 205,021,000 | 197,795,000 | 192,882,000 | 188,433,000 |