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 | 409,051,000 | 421,237,000 | 412,453,000 | 429,013,000 |
| Total loans | 286,023,000 | 297,655,000 | 315,135,000 | 327,433,000 |
| Allowance for loan losses | 1,985,000 | 2,038,000 | 2,188,000 | 2,050,000 |
| Securities available for sale | 53,495,000 | 39,486,000 | 23,552,000 | 19,394,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 332,366,000 | 330,957,000 | 339,093,000 | 361,268,000 |
| Interest-bearing deposits | 297,857,000 | 298,546,000 | 307,339,000 | 327,163,000 |
| Noninterest-bearing deposits | 34,509,000 | 32,411,000 | 31,754,000 | 34,105,000 |
| Equity capital | 46,340,000 | 46,877,000 | 47,143,000 | 47,127,000 |
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 | 5,444,000 | 11,209,000 | 17,143,000 | 23,300,000 |
| Interest expense | 2,430,000 | 5,006,000 | 7,587,000 | 10,212,000 |
| Net interest income | 3,014,000 | 6,203,000 | 9,556,000 | 13,088,000 |
| Noninterest income | 294,000 | 1,249,000 | 1,603,000 | 1,929,000 |
| Noninterest expense | 2,994,000 | 6,219,000 | 9,420,000 | 12,995,000 |
| Provision for loan losses | 30,000 | 130,000 | 290,000 | 323,000 |
| Pretax income | 284,000 | 1,103,000 | 1,569,000 | 1,852,000 |
| Income tax | 0 | 48,000 | 48,000 | 48,000 |
| Net income | 284,000 | 1,055,000 | 1,521,000 | 1,804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,412,000 | 48,732,000 | 48,713,000 | 48,532,000 |
| Total capital | 50,675,000 | 51,048,000 | 51,059,000 | 50,707,000 |
| Risk-weighted assets | 312,223,000 | 320,975,000 | 330,046,000 | 340,616,000 |