Call reports 2025
LONE OAK BANK, NATIONAL ASSOCIATION — 2025
What LONE OAK BANK, NATIONAL ASSOCIATION 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 | 100,688,000 | 109,098,000 | 107,421,000 | 112,051,000 |
| Total loans | 70,312,000 | 75,548,000 | 76,751,000 | 84,501,000 |
| Allowance for loan losses | 1,178,000 | 1,176,000 | 1,256,000 | 1,282,000 |
| Securities available for sale | 5,821,000 | 11,850,000 | 10,233,000 | 10,234,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,169,000 | 91,810,000 | 89,326,000 | 94,665,000 |
| Interest-bearing deposits | 59,734,000 | 63,863,000 | 62,866,000 | 66,934,000 |
| Noninterest-bearing deposits | 24,435,000 | 27,947,000 | 26,460,000 | 27,731,000 |
| Equity capital | 16,047,000 | 16,751,000 | 17,519,000 | 16,910,000 |
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 | 1,800,000 | 3,743,000 | 5,766,000 | 7,825,000 |
| Interest expense | 435,000 | 857,000 | 1,277,000 | 1,686,000 |
| Net interest income | 1,365,000 | 2,886,000 | 4,489,000 | 6,139,000 |
| Noninterest income | 89,000 | 182,000 | 295,000 | 412,000 |
| Noninterest expense | 791,000 | 1,671,000 | 2,549,000 | 3,464,000 |
| Provision for loan losses | 0 | 0 | 80,000 | 112,000 |
| Pretax income | 663,000 | 1,397,000 | 2,155,000 | 2,975,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 663,000 | 1,397,000 | 2,155,000 | 2,975,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,057,000 | 15,989,000 | 16,743,000 | 16,144,000 |
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