Call reports 2025
LOCALITY BANK — 2025
What LOCALITY 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 | 303,213,000 | 305,897,000 | 364,706,000 | 347,276,000 |
| Total loans | 235,845,000 | 232,725,000 | 254,619,000 | 273,557,000 |
| Allowance for loan losses | 3,981,000 | 4,095,000 | 5,149,000 | 4,596,000 |
| Securities available for sale | 11,391,000 | 13,843,000 | 13,541,000 | 13,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,391,000 | 249,633,000 | 311,364,000 | 296,929,000 |
| Interest-bearing deposits | 221,974,000 | 210,969,000 | 265,216,000 | 261,700,000 |
| Noninterest-bearing deposits | 33,417,000 | 38,664,000 | 46,148,000 | 35,229,000 |
| Equity capital | 46,574,000 | 46,911,000 | 46,830,000 | 48,065,000 |
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 | 4,440,000 | 9,285,000 | 14,448,000 | 19,937,000 |
| Interest expense | 2,032,000 | 4,051,000 | 6,090,000 | 8,165,000 |
| Net interest income | 2,408,000 | 5,234,000 | 8,358,000 | 11,772,000 |
| Noninterest income | 215,000 | 534,000 | 886,000 | 1,377,000 |
| Noninterest expense | 2,492,000 | 5,193,000 | 7,983,000 | 10,879,000 |
| Provision for loan losses | 786,000 | 900,000 | 1,955,000 | 1,401,000 |
| Pretax income | -648,000 | -343,000 | -724,000 | 846,000 |
| Income tax | -151,000 | -28,000 | -120,000 | 300,000 |
| Net income | -497,000 | -315,000 | -604,000 | 546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,332,000 | 44,748,000 | 44,449,000 | 45,955,000 |