Call reports 2025
LAKE RIDGE BANK — 2025
What LAKE RIDGE 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 | 3,102,136,000 | 3,108,661,000 | 3,178,632,000 | 3,274,376,000 |
| Total loans | 2,399,193,000 | 2,400,496,000 | 2,408,252,000 | 2,407,399,000 |
| Allowance for loan losses | 24,625,000 | 25,074,000 | 24,774,000 | 25,002,000 |
| Securities available for sale | 328,485,000 | 389,663,000 | 400,909,000 | 403,535,000 |
| Securities held to maturity | 6,043,000 | 4,438,000 | 4,449,000 | 3,813,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,560,134,000 | 2,558,717,000 | 2,615,314,000 | 2,707,857,000 |
| Interest-bearing deposits | 2,030,692,000 | 2,001,398,000 | 2,042,425,000 | 2,134,961,000 |
| Noninterest-bearing deposits | 529,442,000 | 557,319,000 | 572,889,000 | 572,896,000 |
| Equity capital | 315,668,000 | 322,781,000 | 332,585,000 | 339,447,000 |
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 | 39,180,000 | 79,164,000 | 120,922,000 | 163,420,000 |
| Interest expense | 18,103,000 | 34,971,000 | 51,857,000 | 68,027,000 |
| Net interest income | 21,077,000 | 44,193,000 | 69,065,000 | 95,393,000 |
| Noninterest income | 4,551,000 | 9,375,000 | 13,700,000 | 19,196,000 |
| Noninterest expense | 18,672,000 | 37,989,000 | 57,361,000 | 77,691,000 |
| Provision for loan losses | 474,000 | 948,000 | 717,000 | 1,245,000 |
| Pretax income | 6,467,000 | 14,782,000 | 24,330,000 | 35,157,000 |
| Income tax | 558,000 | 1,518,000 | 2,758,000 | 4,235,000 |
| Net income | 5,909,000 | 13,264,000 | 21,572,000 | 30,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 292,376,000 | 298,668,000 | 305,412,000 | 310,959,000 |
| Total capital | 318,399,000 | 325,140,000 | 332,289,000 | 338,197,000 |
| Risk-weighted assets | 2,624,816,000 | 2,641,165,000 | 2,653,954,000 | 2,670,467,000 |