Call reports 2025
LOCAL BANK — 2025
What LOCAL 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 | 84,907,000 | 94,588,000 | 110,369,000 | 109,703,000 |
| Total loans | 65,828,000 | 73,625,000 | 75,848,000 | 81,350,000 |
| Allowance for loan losses | 579,000 | 612,000 | 674,000 | 731,000 |
| Securities available for sale | 2,433,000 | 2,341,000 | 2,787,000 | 2,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,477,000 | 74,927,000 | 85,820,000 | 84,747,000 |
| Interest-bearing deposits | 52,758,000 | 63,201,000 | 71,509,000 | 72,835,000 |
| Noninterest-bearing deposits | 11,719,000 | 11,726,000 | 14,311,000 | 11,912,000 |
| Equity capital | 14,846,000 | 14,995,000 | 18,417,000 | 17,892,000 |
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 | 1,292,000 | 2,770,000 | 4,408,000 | 6,204,000 |
| Interest expense | 517,000 | 1,145,000 | 1,859,000 | 2,696,000 |
| Net interest income | 775,000 | 1,625,000 | 2,549,000 | 3,508,000 |
| Noninterest income | 1,585,000 | 3,772,000 | 6,221,000 | 8,025,000 |
| Noninterest expense | 2,556,000 | 5,375,000 | 8,464,000 | 11,617,000 |
| Provision for loan losses | 52,000 | 80,000 | 139,000 | 194,000 |
| Pretax income | -248,000 | -57,000 | 167,000 | -278,000 |
| Income tax | -69,000 | -14,000 | 26,000 | -198,000 |
| Net income | -179,000 | -43,000 | 141,000 | -80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,967,000 | 13,894,000 | 16,572,000 | 15,820,000 |