Call reports 2025
LOVELADY STATE BANK — 2025
What LOVELADY 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 | 55,649,000 | 54,899,000 | 54,829,000 | 55,230,000 |
| Total loans | 23,577,000 | 23,522,000 | 23,861,000 | 24,063,000 |
| Allowance for loan losses | 333,000 | 337,000 | 334,000 | 336,000 |
| Securities available for sale | 7,128,000 | 7,140,000 | 8,716,000 | 8,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,546,000 | 47,665,000 | 47,300,000 | 47,895,000 |
| Interest-bearing deposits | 31,492,000 | 29,792,000 | 30,043,000 | 32,168,000 |
| Noninterest-bearing deposits | 17,054,000 | 17,873,000 | 17,257,000 | 15,727,000 |
| Equity capital | 6,210,000 | 6,273,000 | 6,517,000 | 6,387,000 |
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 | 678,000 | 1,375,000 | 2,125,000 | 2,815,000 |
| Interest expense | 137,000 | 269,000 | 399,000 | 531,000 |
| Net interest income | 541,000 | 1,106,000 | 1,726,000 | 2,284,000 |
| Noninterest income | 73,000 | 148,000 | 223,000 | 309,000 |
| Noninterest expense | 407,000 | 918,000 | 1,359,000 | 1,839,000 |
| Provision for loan losses | 0 | 10,000 | 15,000 | 39,000 |
| Pretax income | 207,000 | 326,000 | 575,000 | 715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 326,000 | 575,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,481,000 | 6,512,000 | 6,673,000 | 6,550,000 |
| Total capital | 6,814,000 | 6,849,000 | 7,007,000 | 6,886,000 |
| Risk-weighted assets | 29,390,000 | 29,337,000 | 29,668,000 | 29,953,000 |