Call reports 2025
BANK OF EUFAULA — 2025
What BANK OF EUFAULA 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 | 95,900,000 | 95,777,000 | 91,766,000 | 91,926,000 |
| Total loans | 25,014,000 | 23,833,000 | 23,557,000 | 22,930,000 |
| Allowance for loan losses | 646,000 | 555,000 | 498,000 | 490,000 |
| Securities available for sale | 53,295,000 | 53,550,000 | 53,160,000 | 49,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,115,000 | 86,813,000 | 81,408,000 | 81,491,000 |
| Interest-bearing deposits | 59,184,000 | 59,103,000 | 55,275,000 | 55,471,000 |
| Noninterest-bearing deposits | 27,931,000 | 27,710,000 | 26,133,000 | 26,020,000 |
| Equity capital | 8,122,000 | 8,329,000 | 9,708,000 | 9,806,000 |
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 | 798,000 | 1,669,000 | 2,466,000 | 3,254,000 |
| Interest expense | 76,000 | 150,000 | 231,000 | 347,000 |
| Net interest income | 722,000 | 1,519,000 | 2,235,000 | 2,907,000 |
| Noninterest income | 135,000 | 215,000 | 291,000 | 376,000 |
| Noninterest expense | 768,000 | 1,622,000 | 2,414,000 | 3,196,000 |
| Provision for loan losses | 39,000 | 49,000 | 30,000 | 30,000 |
| Pretax income | 50,000 | 63,000 | 63,000 | 38,000 |
| Income tax | 14,000 | 18,000 | 18,000 | -11,000 |
| Net income | 36,000 | 45,000 | 45,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,784,000 | 9,794,000 | 10,580,000 | 10,584,000 |