Call reports 2025
LEA COUNTY STATE BANK — 2025
What LEA COUNTY STATE 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 | 689,761,000 | 725,661,000 | 722,251,000 | 708,018,000 |
| Total loans | 228,240,000 | 228,693,000 | 224,441,000 | 225,420,000 |
| Allowance for loan losses | 1,710,000 | 2,520,000 | 2,800,000 | 2,800,000 |
| Securities available for sale | 409,955,000 | 418,077,000 | 434,364,000 | 426,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 628,843,000 | 667,192,000 | 657,842,000 | 637,578,000 |
| Interest-bearing deposits | 455,246,000 | 483,632,000 | 454,914,000 | 445,196,000 |
| Noninterest-bearing deposits | 173,597,000 | 183,560,000 | 202,928,000 | 192,382,000 |
| Equity capital | 42,086,000 | 43,020,000 | 48,101,000 | 55,246,000 |
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 | 8,693,000 | 17,382,000 | 26,366,000 | 35,224,000 |
| Interest expense | 2,164,000 | 4,449,000 | 6,520,000 | 8,248,000 |
| Net interest income | 6,529,000 | 12,933,000 | 19,846,000 | 26,976,000 |
| Noninterest income | 820,000 | 1,696,000 | 2,647,000 | 3,643,000 |
| Noninterest expense | 3,886,000 | 7,771,000 | 12,025,000 | 16,268,000 |
| Provision for loan losses | 143,000 | 959,000 | 1,283,000 | 1,309,000 |
| Pretax income | 3,307,000 | 5,865,000 | 9,115,000 | 11,509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,307,000 | 5,865,000 | 9,115,000 | 11,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,727,000 | 63,785,000 | 64,535,000 | 67,929,000 |
| Total capital | 65,508,000 | 66,397,000 | 67,463,000 | 70,946,000 |
| Risk-weighted assets | 312,347,000 | 319,163,000 | 322,222,000 | 327,039,000 |