Call reports 2025
BANK OF THE LOWCOUNTRY — 2025
What BANK OF THE LOWCOUNTRY 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 | 369,808,000 | 368,938,000 | 406,764,000 | 410,778,000 |
| Total loans | 276,862,000 | 286,392,000 | 297,618,000 | 299,618,000 |
| Allowance for loan losses | 2,649,000 | 2,769,000 | 2,797,000 | 2,797,000 |
| Securities available for sale | 57,064,000 | 56,480,000 | 88,134,000 | 88,021,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,074,000 | 345,599,000 | 352,700,000 | 347,462,000 |
| Interest-bearing deposits | 289,662,000 | 288,063,000 | 293,944,000 | 287,192,000 |
| Noninterest-bearing deposits | 57,412,000 | 57,536,000 | 58,756,000 | 60,270,000 |
| Equity capital | 19,399,000 | 19,825,000 | 27,094,000 | 29,697,000 |
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 | 4,928,000 | 10,089,000 | 15,647,000 | 21,522,000 |
| Interest expense | 1,773,000 | 3,546,000 | 5,479,000 | 7,543,000 |
| Net interest income | 3,155,000 | 6,543,000 | 10,168,000 | 13,979,000 |
| Noninterest income | 111,000 | 508,000 | 623,000 | 692,000 |
| Noninterest expense | 2,708,000 | 5,431,000 | 8,085,000 | 10,881,000 |
| Provision for loan losses | 0 | 100,000 | 175,000 | 175,000 |
| Pretax income | 558,000 | 1,470,000 | 2,431,000 | 3,515,000 |
| Income tax | 119,000 | 308,000 | 538,000 | 791,000 |
| Net income | 439,000 | 1,162,000 | 1,893,000 | 2,724,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,689,000 | 31,412,000 | 37,143,000 | 37,973,000 |
| Total capital | 33,663,000 | 34,556,000 | 40,365,000 | 41,195,000 |
| Risk-weighted assets | 286,992,000 | 292,421,000 | 321,735,000 | 322,113,000 |