Call reports 2025
EASTERN COLORADO BANK, THE — 2025
What EASTERN COLORADO BANK, THE 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 | 682,960,000 | 682,484,000 | 687,856,000 | 705,038,000 |
| Total loans | 496,782,000 | 483,453,000 | 479,081,000 | 482,462,000 |
| Allowance for loan losses | 6,007,000 | 6,050,000 | 6,384,000 | 6,374,000 |
| Securities available for sale | 92,915,000 | 91,008,000 | 91,045,000 | 94,967,000 |
| Securities held to maturity | 12,750,000 | 13,250,000 | 12,750,000 | 15,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 575,688,000 | 573,696,000 | 579,163,000 | 594,291,000 |
| Interest-bearing deposits | 433,579,000 | 436,097,000 | 437,508,000 | 408,358,000 |
| Noninterest-bearing deposits | 142,109,000 | 137,599,000 | 141,655,000 | 185,933,000 |
| Equity capital | 68,883,000 | 68,815,000 | 72,361,000 | 74,717,000 |
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 | 8,798,000 | 17,770,000 | 26,906,000 | 36,015,000 |
| Interest expense | 3,287,000 | 6,602,000 | 9,866,000 | 13,013,000 |
| Net interest income | 5,511,000 | 11,168,000 | 17,040,000 | 23,002,000 |
| Noninterest income | 614,000 | 1,074,000 | 1,609,000 | 2,085,000 |
| Noninterest expense | 3,979,000 | 7,855,000 | 12,226,000 | 16,704,000 |
| Provision for loan losses | 75,000 | 175,000 | 175,000 | 175,000 |
| Pretax income | 2,071,000 | 3,956,000 | 5,994,000 | 7,946,000 |
| Income tax | 0 | 1,000 | 5,000 | 8,000 |
| Net income | 2,071,000 | 3,955,000 | 5,989,000 | 7,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,880,000 | 71,470,000 | 73,008,000 | 74,715,000 |
| Total capital | 76,887,000 | 77,519,000 | 79,392,000 | 81,089,000 |
| Risk-weighted assets | 581,856,000 | 575,217,000 | 570,397,000 | 582,097,000 |