Call reports 2025
BANK OF LUMBER CITY — 2025
What BANK OF LUMBER CITY 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 | 25,356,000 | 23,831,000 | 25,420,000 | 24,979,000 |
| Total loans | 9,483,000 | 9,089,000 | 8,571,000 | 9,084,000 |
| Allowance for loan losses | 185,000 | 185,000 | 185,000 | 185,000 |
| Securities available for sale | 4,658,000 | 4,579,000 | 4,752,000 | 4,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,856,000 | 20,531,000 | 22,047,000 | 21,680,000 |
| Interest-bearing deposits | 12,087,000 | 12,748,000 | 13,166,000 | 12,979,000 |
| Noninterest-bearing deposits | 9,769,000 | 7,783,000 | 8,881,000 | 8,701,000 |
| Equity capital | 3,107,000 | 2,925,000 | 3,020,000 | 2,960,000 |
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 | 351,000 | 658,000 | 962,000 | 1,280,000 |
| Interest expense | 78,000 | 141,000 | 205,000 | 266,000 |
| Net interest income | 273,000 | 517,000 | 757,000 | 1,014,000 |
| Noninterest income | 43,000 | 77,000 | 111,000 | 152,000 |
| Noninterest expense | 390,000 | 780,000 | 1,144,000 | 1,555,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -74,000 | -186,000 | -276,000 | -389,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -74,000 | -186,000 | -276,000 | -389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,460,000 | 2,372,000 | 2,305,000 | 2,216,000 |