Call reports 2025
FIRST SERVICE BANK — 2025
What FIRST SERVICE 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 | 799,248,000 | 836,370,000 | 855,459,000 | 921,140,000 |
| Total loans | 669,720,000 | 703,998,000 | 735,043,000 | 775,349,000 |
| Allowance for loan losses | 9,083,000 | 9,677,000 | 10,432,000 | 10,484,000 |
| Securities available for sale | 52,436,000 | 60,016,000 | 38,928,000 | 40,447,000 |
| Securities held to maturity | 1,542,000 | 1,476,000 | 1,474,000 | 1,472,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 723,046,000 | 742,249,000 | 768,549,000 | 815,787,000 |
| Interest-bearing deposits | 623,771,000 | 635,493,000 | 681,226,000 | 725,891,000 |
| Noninterest-bearing deposits | 99,275,000 | 106,756,000 | 87,323,000 | 89,896,000 |
| Equity capital | 70,193,000 | 72,402,000 | 74,767,000 | 76,807,000 |
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 | 13,386,000 | 27,726,000 | 42,670,000 | 57,962,000 |
| Interest expense | 5,602,000 | 11,340,000 | 17,425,000 | 23,810,000 |
| Net interest income | 7,784,000 | 16,386,000 | 25,245,000 | 34,152,000 |
| Noninterest income | 873,000 | 2,799,000 | 4,575,000 | 6,525,000 |
| Noninterest expense | 6,317,000 | 12,894,000 | 19,713,000 | 27,701,000 |
| Provision for loan losses | 412,000 | 1,013,000 | 1,769,000 | 2,513,000 |
| Pretax income | 1,695,000 | 4,903,000 | 7,766,000 | 9,905,000 |
| Income tax | 383,000 | 1,220,000 | 1,888,000 | 2,013,000 |
| Net income | 1,312,000 | 3,683,000 | 5,878,000 | 7,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,822,000 | 75,933,000 | 77,602,000 | 79,435,000 |