Call reports 2025
BANK OF O'FALLON — 2025
What BANK OF O'FALLON 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 | 374,915,000 | 371,231,000 | 377,715,000 | 378,454,000 |
| Total loans | 263,819,000 | 268,169,000 | 271,214,000 | 281,069,000 |
| Allowance for loan losses | 4,327,000 | 4,372,000 | 4,518,000 | 4,469,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 19,515,000 | 19,563,000 | 19,598,000 | 22,091,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,354,000 | 319,681,000 | 326,052,000 | 326,583,000 |
| Interest-bearing deposits | 261,644,000 | 256,697,000 | 260,882,000 | 257,453,000 |
| Noninterest-bearing deposits | 62,710,000 | 62,984,000 | 65,170,000 | 69,130,000 |
| Equity capital | 48,998,000 | 50,012,000 | 50,215,000 | 49,563,000 |
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 | 4,598,000 | 9,482,000 | 14,424,000 | 19,349,000 |
| Interest expense | 1,941,000 | 4,008,000 | 6,010,000 | 7,840,000 |
| Net interest income | 2,657,000 | 5,474,000 | 8,414,000 | 11,509,000 |
| Noninterest income | 38,000 | 164,000 | 263,000 | 262,000 |
| Noninterest expense | 1,211,000 | 2,517,000 | 3,976,000 | 6,654,000 |
| Provision for loan losses | 85,000 | 130,000 | 325,000 | 445,000 |
| Pretax income | 1,303,000 | 2,893,000 | 4,348,000 | 4,665,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,303,000 | 2,893,000 | 4,348,000 | 4,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,998,000 | 50,012,000 | 50,215,000 | 49,563,000 |
| Total capital | 51,702,000 | 52,775,000 | 53,009,000 | 52,390,000 |
| Risk-weighted assets | 214,589,000 | 219,347,000 | 221,737,000 | 224,489,000 |