Call reports 2025
LAKE FOREST BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2025
What LAKE FOREST BANK & TRUST COMPANY, 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 | 8,724,205,000 | 9,544,049,000 | 9,241,590,000 | 9,386,148,000 |
| Total loans | 6,083,083,000 | 6,509,160,000 | 6,545,292,000 | 6,815,723,000 |
| Allowance for loan losses | 47,176,000 | 44,507,000 | 41,990,000 | 45,210,000 |
| Securities available for sale | 391,671,000 | 494,367,000 | 398,309,000 | 449,725,000 |
| Securities held to maturity | 574,341,000 | 564,026,000 | 550,777,000 | 536,486,000 |
| Trading assets | 97,496,000 | 92,896,000 | 83,800,000 | 69,848,000 |
| Total deposits | 6,648,685,000 | 7,283,278,000 | 7,107,389,000 | 7,213,046,000 |
| Interest-bearing deposits | 5,016,060,000 | 5,497,926,000 | 5,436,055,000 | 5,494,014,000 |
| Noninterest-bearing deposits | 1,632,625,000 | 1,785,352,000 | 1,671,334,000 | 1,719,032,000 |
| Equity capital | 813,869,000 | 843,041,000 | 834,604,000 | 861,379,000 |
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 | 116,607,000 | 240,325,000 | 364,793,000 | 490,260,000 |
| Interest expense | 47,636,000 | 97,551,000 | 150,067,000 | 199,728,000 |
| Net interest income | 68,971,000 | 142,774,000 | 214,726,000 | 290,532,000 |
| Noninterest income | 45,142,000 | 96,053,000 | 144,180,000 | 192,559,000 |
| Noninterest expense | 49,255,000 | 98,950,000 | 149,740,000 | 199,662,000 |
| Provision for loan losses | 7,261,000 | 5,957,000 | 5,998,000 | 10,673,000 |
| Pretax income | 58,249,000 | 135,399,000 | 206,066,000 | 274,398,000 |
| Income tax | 15,602,000 | 36,752,000 | 56,107,000 | 74,484,000 |
| Net income | 42,647,000 | 98,647,000 | 149,959,000 | 199,914,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 824,952,000 | 848,315,000 | 833,667,000 | 858,940,000 |
| Total capital | 882,089,000 | 901,983,000 | 883,587,000 | 913,408,000 |
| Risk-weighted assets | 7,150,046,000 | 7,526,056,000 | 7,503,268,000 | 7,805,903,000 |