Call reports 2025
BANK OF EDMONSON COUNTY — 2025
What BANK OF EDMONSON COUNTY 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 | 284,983,000 | 283,792,000 | 285,197,000 | 282,643,000 |
| Total loans | 195,988,000 | 196,182,000 | 198,145,000 | 201,049,000 |
| Allowance for loan losses | 1,959,000 | 1,913,000 | 1,924,000 | 2,029,000 |
| Securities available for sale | 65,534,000 | 66,161,000 | 67,171,000 | 66,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,498,000 | 248,626,000 | 248,828,000 | 242,258,000 |
| Interest-bearing deposits | 160,545,000 | 163,785,000 | 164,350,000 | 162,019,000 |
| Noninterest-bearing deposits | 86,953,000 | 84,841,000 | 84,478,000 | 80,239,000 |
| Equity capital | 22,532,000 | 23,964,000 | 25,084,000 | 25,366,000 |
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 | 3,758,000 | 7,631,000 | 11,476,000 | 15,342,000 |
| Interest expense | 1,397,000 | 2,769,000 | 4,118,000 | 5,423,000 |
| Net interest income | 2,361,000 | 4,862,000 | 7,358,000 | 9,919,000 |
| Noninterest income | 260,000 | 510,000 | 828,000 | 1,119,000 |
| Noninterest expense | 1,514,000 | 2,944,000 | 4,596,000 | 6,326,000 |
| Provision for loan losses | 30,000 | -24,000 | -17,000 | 86,000 |
| Pretax income | 1,077,000 | 2,398,000 | 3,560,000 | 4,582,000 |
| Income tax | 34,000 | 64,000 | 109,000 | 174,000 |
| Net income | 1,043,000 | 2,334,000 | 3,451,000 | 4,408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,471,000 | 30,101,000 | 30,198,000 | 29,956,000 |
| Total capital | 31,430,000 | 32,068,000 | 32,169,000 | 32,029,000 |
| Risk-weighted assets | 187,086,000 | 182,796,000 | 182,796,000 | 181,114,000 |