Call reports 2025
FIRST CREDIT BANK — 2025
What FIRST CREDIT 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 | 533,459,000 | 526,240,000 | 524,056,000 | 500,519,000 |
| Total loans | 413,272,000 | 429,440,000 | 394,848,000 | 388,830,000 |
| Allowance for loan losses | 14,104,000 | 14,086,000 | 12,497,000 | 10,218,000 |
| Securities available for sale | 7,098,000 | 5,570,000 | 5,711,000 | 6,448,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,352,000 | 282,355,000 | 270,182,000 | 259,394,000 |
| Interest-bearing deposits | 252,607,000 | 246,523,000 | 235,141,000 | 221,322,000 |
| Noninterest-bearing deposits | 38,745,000 | 35,832,000 | 35,041,000 | 38,072,000 |
| Equity capital | 234,147,000 | 234,580,000 | 243,383,000 | 234,573,000 |
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 | 10,472,000 | 21,440,000 | 32,993,000 | 42,616,000 |
| Interest expense | 2,563,000 | 5,117,000 | 7,477,000 | 9,552,000 |
| Net interest income | 7,909,000 | 16,323,000 | 25,516,000 | 33,064,000 |
| Noninterest income | 33,000 | 65,000 | 117,000 | 196,000 |
| Noninterest expense | 1,729,000 | 3,066,000 | 4,911,000 | 6,247,000 |
| Provision for loan losses | 164,000 | 146,000 | -1,443,000 | -3,722,000 |
| Pretax income | 6,132,000 | 13,362,000 | 22,965,000 | 31,471,000 |
| Income tax | -36,000 | 443,000 | 531,000 | 622,000 |
| Net income | 6,168,000 | 12,919,000 | 22,434,000 | 30,849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 233,822,000 | 234,303,000 | 242,989,000 | 234,249,000 |
| Total capital | 240,341,000 | 241,033,000 | 249,185,000 | 240,271,000 |
| Risk-weighted assets | 513,212,000 | 530,374,000 | 489,341,000 | 477,413,000 |