Call reports 2025
R BANK — 2025
What R 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 | 1,006,069,000 | 999,367,000 | 1,039,728,000 | 1,061,920,000 |
| Total loans | 797,817,000 | 799,589,000 | 768,572,000 | 784,064,000 |
| Allowance for loan losses | 9,069,000 | 8,976,000 | 8,792,000 | 8,213,000 |
| Securities available for sale | 48,624,000 | 47,610,000 | 45,703,000 | 44,375,000 |
| Securities held to maturity | 20,461,000 | 20,422,000 | 19,871,000 | 19,832,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 898,948,000 | 891,772,000 | 929,386,000 | 951,029,000 |
| Interest-bearing deposits | 720,559,000 | 704,457,000 | 726,516,000 | 756,877,000 |
| Noninterest-bearing deposits | 178,389,000 | 187,315,000 | 202,870,000 | 194,152,000 |
| Equity capital | 91,313,000 | 93,042,000 | 95,433,000 | 96,698,000 |
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 | 14,141,000 | 28,250,000 | 43,009,000 | 57,966,000 |
| Interest expense | 5,657,000 | 11,099,000 | 16,714,000 | 22,205,000 |
| Net interest income | 8,484,000 | 17,151,000 | 26,295,000 | 35,761,000 |
| Noninterest income | 436,000 | 2,392,000 | 2,968,000 | 4,640,000 |
| Noninterest expense | 7,404,000 | 15,182,000 | 22,735,000 | 30,483,000 |
| Provision for loan losses | 0 | 0 | -75,000 | 1,152,000 |
| Pretax income | 1,651,000 | 4,496,000 | 6,405,000 | 8,545,000 |
| Income tax | 338,000 | 927,000 | 1,319,000 | 1,762,000 |
| Net income | 1,313,000 | 3,569,000 | 5,086,000 | 6,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,687,000 | 93,293,000 | 94,810,000 | 95,982,000 |
| Total capital | 100,945,000 | 102,459,000 | 103,867,000 | 104,483,000 |
| Risk-weighted assets | 769,320,000 | 786,056,000 | 761,726,000 | 782,242,000 |