Call reports 2025
LAFAYETTE STATE BANK — 2025
What LAFAYETTE STATE 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 | 240,293,000 | 243,730,000 | 250,582,000 | 247,355,000 |
| Total loans | 147,734,000 | 148,689,000 | 158,449,000 | 164,948,000 |
| Allowance for loan losses | 2,812,000 | 2,884,000 | 3,057,000 | 3,125,000 |
| Securities available for sale | 33,312,000 | 37,315,000 | 42,183,000 | 45,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,540,000 | 225,604,000 | 229,985,000 | 225,179,000 |
| Interest-bearing deposits | 133,675,000 | 136,355,000 | 141,364,000 | 143,453,000 |
| Noninterest-bearing deposits | 88,865,000 | 89,249,000 | 88,621,000 | 81,726,000 |
| Equity capital | 15,470,000 | 16,023,000 | 17,661,000 | 19,313,000 |
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 | 3,280,000 | 6,787,000 | 10,449,000 | 14,199,000 |
| Interest expense | 729,000 | 1,453,000 | 2,205,000 | 2,962,000 |
| Net interest income | 2,551,000 | 5,334,000 | 8,244,000 | 11,237,000 |
| Noninterest income | 442,000 | 901,000 | 1,334,000 | 1,780,000 |
| Noninterest expense | 2,142,000 | 4,469,000 | 6,716,000 | 9,143,000 |
| Provision for loan losses | 75,000 | 150,000 | 205,000 | 280,000 |
| Pretax income | 776,000 | 1,616,000 | 2,657,000 | 3,574,000 |
| Income tax | 148,000 | 357,000 | 610,000 | 838,000 |
| Net income | 628,000 | 1,259,000 | 2,047,000 | 2,736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,537,000 | 21,168,000 | 21,955,000 | 23,371,000 |
| Total capital | 22,536,000 | 23,162,000 | 24,109,000 | — |
| Risk-weighted assets | 159,168,000 | 158,701,000 | 171,534,000 | — |