Call reports 2025
LAUDERDALE COUNTY BANK, THE — 2025
What LAUDERDALE COUNTY BANK, THE 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 | 64,519,000 | 62,928,000 | 62,703,000 | 67,208,000 |
| Total loans | 28,221,000 | 29,202,000 | 29,446,000 | 29,558,000 |
| Allowance for loan losses | 381,000 | 379,000 | 399,000 | 409,000 |
| Securities available for sale | 18,875,000 | 18,517,000 | 18,974,000 | 21,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,711,000 | 55,901,000 | 55,395,000 | 59,657,000 |
| Interest-bearing deposits | 40,386,000 | 39,186,000 | 38,913,000 | 43,060,000 |
| Noninterest-bearing deposits | 17,325,000 | 16,715,000 | 16,482,000 | 16,597,000 |
| Equity capital | 5,645,000 | 5,851,000 | 6,167,000 | 6,408,000 |
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 | 786,000 | 1,611,000 | 2,440,000 | 3,271,000 |
| Interest expense | 215,000 | 429,000 | 643,000 | 860,000 |
| Net interest income | 571,000 | 1,182,000 | 1,797,000 | 2,411,000 |
| Noninterest income | 192,000 | 245,000 | 300,000 | 367,000 |
| Noninterest expense | 605,000 | 1,102,000 | 1,603,000 | 2,111,000 |
| Provision for loan losses | 15,000 | 15,000 | 35,000 | 50,000 |
| Pretax income | 143,000 | 310,000 | 459,000 | 617,000 |
| Income tax | 36,000 | 79,000 | 111,000 | 102,000 |
| Net income | 107,000 | 231,000 | 348,000 | 515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,402,000 | 7,516,000 | 7,618,000 | 7,755,000 |