Call reports 2025
LOWRY STATE BANK — 2025
What LOWRY STATE 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 | 85,117,000 | 82,436,000 | 85,765,000 | 87,633,000 |
| Total loans | 73,540,000 | 78,173,000 | 79,114,000 | 79,786,000 |
| Allowance for loan losses | 964,000 | 1,022,000 | 1,162,000 | 1,059,000 |
| Securities available for sale | 482,000 | 486,000 | 490,000 | 493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,683,000 | 68,361,000 | 70,015,000 | 71,758,000 |
| Interest-bearing deposits | 57,768,000 | 57,111,000 | 59,306,000 | 59,928,000 |
| Noninterest-bearing deposits | 12,915,000 | 11,250,000 | 10,709,000 | 11,830,000 |
| Equity capital | 7,644,000 | 7,790,000 | 7,952,000 | 8,097,000 |
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 | 1,336,000 | 2,674,000 | 4,103,000 | 5,583,000 |
| Interest expense | 509,000 | 1,006,000 | 1,519,000 | 2,033,000 |
| Net interest income | 827,000 | 1,668,000 | 2,584,000 | 3,550,000 |
| Noninterest income | 84,000 | 116,000 | 142,000 | 174,000 |
| Noninterest expense | 478,000 | 1,002,000 | 1,515,000 | 2,208,000 |
| Provision for loan losses | 0 | 93,000 | 226,000 | 291,000 |
| Pretax income | 434,000 | 688,000 | 983,000 | 1,224,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 688,000 | 983,000 | 1,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,667,000 | 7,808,000 | 7,966,000 | 8,107,000 |
| Total capital | 8,464,000 | 8,679,000 | 8,842,000 | 8,983,000 |
| Risk-weighted assets | 63,596,000 | 69,550,000 | 69,801,000 | 69,913,000 |