Call reports 2025
BANK OF DELIGHT — 2025
What BANK OF DELIGHT 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 | 184,298,000 | 182,120,000 | 190,766,000 | 195,233,000 |
| Total loans | 157,961,000 | 163,007,000 | 173,027,000 | 177,852,000 |
| Allowance for loan losses | 1,159,000 | 1,160,000 | 1,156,000 | 1,306,000 |
| Securities available for sale | 2,865,000 | 2,790,000 | 2,530,000 | 1,643,000 |
| Securities held to maturity | 7,394,000 | 6,946,000 | 5,941,000 | 5,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,183,000 | 151,134,000 | 159,029,000 | 165,187,000 |
| Interest-bearing deposits | 127,363,000 | 129,231,000 | 135,499,000 | 140,307,000 |
| Noninterest-bearing deposits | 21,820,000 | 21,903,000 | 23,530,000 | 24,880,000 |
| Equity capital | 25,111,000 | 26,058,000 | 26,935,000 | 25,265,000 |
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 | 2,934,000 | 5,914,000 | 8,915,000 | 12,211,000 |
| Interest expense | 1,032,000 | 2,075,000 | 3,144,000 | 4,262,000 |
| Net interest income | 1,902,000 | 3,839,000 | 5,771,000 | 7,949,000 |
| Noninterest income | 57,000 | 118,000 | 192,000 | 254,000 |
| Noninterest expense | 941,000 | 1,761,000 | 2,759,000 | 3,902,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 1,018,000 | 2,196,000 | 3,204,000 | 4,151,000 |
| Income tax | 37,000 | 74,000 | 111,000 | 156,000 |
| Net income | 981,000 | 2,122,000 | 3,093,000 | 3,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,111,000 | 26,058,000 | 26,935,000 | 25,318,000 |