Call reports 2025
LAKE CITY BANK — 2025
What LAKE CITY 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 | 6,847,388,000 | 6,957,623,000 | 6,894,415,000 | 6,984,247,000 |
| Total loans | 5,224,516,000 | 5,228,464,000 | 5,249,344,000 | 5,378,056,000 |
| Allowance for loan losses | 92,433,000 | 66,552,000 | 68,168,000 | 68,995,000 |
| Securities available for sale | 1,000,875,000 | 996,957,000 | 1,031,938,000 | 1,052,062,000 |
| Securities held to maturity | 131,979,000 | 132,389,000 | 132,799,000 | 133,208,000 |
| Trading assets | 20,247,000 | 17,204,000 | 15,641,000 | 14,634,000 |
| Total deposits | 5,963,532,000 | 6,179,074,000 | 6,028,270,000 | 5,973,527,000 |
| Interest-bearing deposits | 4,663,287,000 | 4,915,093,000 | 4,756,077,000 | 4,752,023,000 |
| Noninterest-bearing deposits | 1,300,245,000 | 1,263,981,000 | 1,272,193,000 | 1,221,504,000 |
| Equity capital | 687,643,000 | 706,276,000 | 741,324,000 | 769,144,000 |
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 | 90,789,000 | 185,497,000 | 280,674,000 | 374,984,000 |
| Interest expense | 37,580,000 | 77,030,000 | 115,835,000 | 152,616,000 |
| Net interest income | 53,209,000 | 108,467,000 | 164,839,000 | 222,368,000 |
| Noninterest income | 10,601,000 | 21,783,000 | 34,454,000 | 46,734,000 |
| Noninterest expense | 30,204,000 | 60,060,000 | 91,242,000 | 121,992,000 |
| Provision for loan losses | 6,800,000 | 9,800,000 | 11,800,000 | 11,800,000 |
| Pretax income | 26,798,000 | 60,378,000 | 96,215,000 | 135,300,000 |
| Income tax | 4,653,000 | 10,778,000 | 17,365,000 | 24,520,000 |
| Net income | 22,145,000 | 49,587,000 | 78,837,000 | 110,767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 846,552,000 | 862,427,000 | 877,056,000 | 891,310,000 |
| Total capital | 920,327,000 | 929,068,000 | 945,313,000 | 960,393,000 |
| Risk-weighted assets | 5,876,127,000 | 5,875,882,000 | 5,864,372,000 | 5,984,185,000 |
Machine access — free, no API key
Every figure shown here about LAKE CITY BANK — 2025 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.