Call reports 2025
FIRSTOAK BANK — 2025
What FIRSTOAK 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 | 242,099,000 | 246,166,000 | 244,586,000 | 241,030,000 |
| Total loans | 195,523,000 | 191,111,000 | 191,570,000 | 189,442,000 |
| Allowance for loan losses | 1,813,000 | 1,843,000 | 1,873,000 | 1,901,000 |
| Securities available for sale | 17,735,000 | 18,549,000 | 19,243,000 | 18,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,658,000 | 218,621,000 | 216,436,000 | 213,167,000 |
| Interest-bearing deposits | 144,753,000 | 142,720,000 | 143,016,000 | 138,557,000 |
| Noninterest-bearing deposits | 68,905,000 | 75,901,000 | 73,420,000 | 74,610,000 |
| Equity capital | 24,960,000 | 25,241,000 | 25,644,000 | 25,835,000 |
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 | 3,626,000 | 7,381,000 | 11,218,000 | 14,969,000 |
| Interest expense | 857,000 | 1,688,000 | 2,484,000 | 3,229,000 |
| Net interest income | 2,769,000 | 5,693,000 | 8,734,000 | 11,740,000 |
| Noninterest income | 182,000 | 381,000 | 594,000 | 782,000 |
| Noninterest expense | 1,813,000 | 3,648,000 | 5,695,000 | 7,924,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 1,108,000 | 2,368,000 | 3,549,000 | 4,486,000 |
| Income tax | 36,000 | 72,000 | 108,000 | 132,000 |
| Net income | 1,072,000 | 2,296,000 | 3,441,000 | 4,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,166,000 | 24,290,000 | 24,429,000 | 24,566,000 |