Call reports 2025
REDWOOD CAPITAL BANK — 2025
What REDWOOD CAPITAL 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 | 522,659,000 | 552,880,000 | 544,804,000 | 531,608,000 |
| Total loans | 383,055,000 | 382,251,000 | 387,356,000 | 381,636,000 |
| Allowance for loan losses | 6,307,000 | 6,223,000 | 6,236,000 | 6,041,000 |
| Securities available for sale | 74,807,000 | 72,600,000 | 72,375,000 | 76,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,346,000 | 490,973,000 | 486,495,000 | 472,191,000 |
| Interest-bearing deposits | 342,372,000 | 352,544,000 | 352,305,000 | 348,754,000 |
| Noninterest-bearing deposits | 118,974,000 | 138,429,000 | 134,190,000 | 123,437,000 |
| Equity capital | 57,216,000 | 57,442,000 | 53,647,000 | 54,602,000 |
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 | 6,057,000 | 12,203,000 | 18,681,000 | 25,037,000 |
| Interest expense | 1,205,000 | 2,444,000 | 3,704,000 | 4,869,000 |
| Net interest income | 4,852,000 | 9,759,000 | 14,977,000 | 20,168,000 |
| Noninterest income | 730,000 | 1,403,000 | 2,148,000 | 2,765,000 |
| Noninterest expense | 3,657,000 | 7,411,000 | 10,939,000 | 14,754,000 |
| Provision for loan losses | -22,000 | -109,000 | -84,000 | -257,000 |
| Pretax income | 1,943,000 | 3,858,000 | 6,260,000 | 8,419,000 |
| Income tax | 541,000 | 1,074,000 | 1,764,000 | 2,362,000 |
| Net income | 1,402,000 | 2,784,000 | 4,496,000 | 6,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,884,000 | 62,716,000 | 58,278,000 | 58,739,000 |
| Total capital | 67,878,000 | 67,835,000 | 63,396,000 | 63,747,000 |
| Risk-weighted assets | 398,072,000 | 408,292,000 | 408,188,000 | 399,436,000 |