Call reports 2025
PORTAGE BANK — 2025
What PORTAGE 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 | 80,720,000 | 85,065,000 | 92,898,000 | 96,547,000 |
| Total loans | 59,620,000 | 66,937,000 | 74,554,000 | 81,509,000 |
| Allowance for loan losses | 595,000 | 623,000 | 664,000 | 947,000 |
| Securities available for sale | 5,449,000 | 5,657,000 | 5,614,000 | 6,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,799,000 | 65,170,000 | 69,992,000 | 74,368,000 |
| Interest-bearing deposits | 52,936,000 | 51,280,000 | 55,512,000 | 48,369,000 |
| Noninterest-bearing deposits | 10,863,000 | 13,890,000 | 14,480,000 | 25,999,000 |
| Equity capital | 7,753,000 | 7,758,000 | 7,832,000 | 7,865,000 |
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 | 1,347,000 | 2,847,000 | 4,443,000 | 6,181,000 |
| Interest expense | 486,000 | 1,019,000 | 1,628,000 | 2,246,000 |
| Net interest income | 861,000 | 1,828,000 | 2,815,000 | 3,935,000 |
| Noninterest income | 679,000 | 1,381,000 | 2,174,000 | 3,222,000 |
| Noninterest expense | 1,492,000 | 3,077,000 | 4,774,000 | 6,655,000 |
| Provision for loan losses | 27,000 | 64,000 | 101,000 | 475,000 |
| Pretax income | 12,000 | 58,000 | 104,000 | 17,000 |
| Income tax | -10,000 | 13,000 | 22,000 | 3,000 |
| Net income | 22,000 | 45,000 | 82,000 | 14,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,053,000 | 8,012,000 | 8,049,000 | 8,056,000 |
| Total capital | 8,673,000 | 8,660,000 | 8,738,000 | 8,963,000 |
| Risk-weighted assets | 51,949,000 | 59,664,000 | 64,525,000 | 72,495,000 |
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