Call reports 2025
1ST BANK OF SEA ISLE CITY — 2025
What 1ST BANK OF SEA ISLE CITY 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 | 310,633,000 | 303,600,000 | 305,185,000 | 300,925,000 |
| Total loans | 240,808,000 | 240,000,000 | 242,128,000 | 243,152,000 |
| Allowance for loan losses | 1,359,000 | 1,370,000 | 1,455,000 | 1,381,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 29,367,000 | 26,864,000 | 26,580,000 | 25,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,585,000 | 222,642,000 | 238,790,000 | 237,163,000 |
| Interest-bearing deposits | 156,656,000 | 156,125,000 | 171,185,000 | 177,350,000 |
| Noninterest-bearing deposits | 68,929,000 | 66,517,000 | 67,605,000 | 59,813,000 |
| Equity capital | 29,284,000 | 29,357,000 | 29,385,000 | 29,524,000 |
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 | 3,331,000 | 6,731,000 | 10,214,000 | 13,698,000 |
| Interest expense | 1,090,000 | 2,167,000 | 3,203,000 | 4,154,000 |
| Net interest income | 2,241,000 | 4,564,000 | 7,011,000 | 9,544,000 |
| Noninterest income | 108,000 | 214,000 | 283,000 | 412,000 |
| Noninterest expense | 2,385,000 | 4,789,000 | 7,218,000 | 9,703,000 |
| Provision for loan losses | 6,000 | 17,000 | 102,000 | 105,000 |
| Pretax income | -27,000 | -7,000 | 1,000 | 173,000 |
| Income tax | -20,000 | -27,000 | -46,000 | -12,000 |
| Net income | -7,000 | 20,000 | 47,000 | 185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,322,000 | 29,347,000 | 29,375,000 | 29,514,000 |
| Total capital | 30,732,000 | 30,769,000 | 30,875,000 | 30,943,000 |
| Risk-weighted assets | 188,043,000 | 184,564,000 | 187,656,000 | 183,766,000 |