Call reports 2025
FIRST CENTURY BANK — 2025
What FIRST CENTURY 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 | 744,377,000 | 757,243,000 | 774,583,000 | 761,338,000 |
| Total loans | 631,923,000 | 644,452,000 | 658,193,000 | 669,831,000 |
| Allowance for loan losses | 6,217,000 | 6,397,000 | 6,579,000 | 7,041,000 |
| Securities available for sale | 1,561,000 | 1,534,000 | 1,523,000 | 1,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,155,000 | 684,739,000 | 698,359,000 | 681,982,000 |
| Interest-bearing deposits | 542,000,000 | 550,674,000 | 564,643,000 | 556,127,000 |
| Noninterest-bearing deposits | 132,155,000 | 134,065,000 | 133,716,000 | 125,855,000 |
| Equity capital | 62,795,000 | 65,234,000 | 67,938,000 | 69,763,000 |
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 | 10,693,000 | 21,947,000 | 33,659,000 | 45,613,000 |
| Interest expense | 4,212,000 | 8,485,000 | 12,785,000 | 16,926,000 |
| Net interest income | 6,481,000 | 13,462,000 | 20,874,000 | 28,687,000 |
| Noninterest income | 711,000 | 1,643,000 | 2,488,000 | 3,289,000 |
| Noninterest expense | 3,902,000 | 8,037,000 | 12,116,000 | 17,222,000 |
| Provision for loan losses | 181,000 | 363,000 | 544,000 | 1,005,000 |
| Pretax income | 3,109,000 | 6,705,000 | 10,702,000 | 13,629,000 |
| Income tax | 837,000 | 1,700,000 | 2,709,000 | 3,357,000 |
| Net income | 2,272,000 | 5,005,000 | 7,993,000 | 10,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,827,000 | 65,260,000 | 67,948,000 | 69,777,000 |
| Total capital | 69,276,000 | 71,889,000 | 74,759,000 | 77,001,000 |
| Risk-weighted assets | 547,340,000 | 552,156,000 | 566,873,000 | 577,741,000 |