Call reports 2025
BANK OF ERATH — 2025
What BANK OF ERATH 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 | 109,259,000 | 105,925,000 | 106,552,000 | 108,941,000 |
| Total loans | 54,802,000 | 56,250,000 | 55,689,000 | 46,736,000 |
| Allowance for loan losses | 718,000 | 709,000 | 709,000 | 694,000 |
| Securities available for sale | 27,885,000 | 27,326,000 | 26,078,000 | 26,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,097,000 | 91,363,000 | 91,745,000 | 93,904,000 |
| Interest-bearing deposits | 52,513,000 | 52,959,000 | 53,252,000 | 52,535,000 |
| Noninterest-bearing deposits | 42,584,000 | 38,404,000 | 38,493,000 | 41,369,000 |
| Equity capital | 13,496,000 | 13,805,000 | 13,886,000 | 14,325,000 |
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 | 1,318,000 | 2,646,000 | 3,979,000 | 5,438,000 |
| Interest expense | 301,000 | 546,000 | 790,000 | 1,037,000 |
| Net interest income | 1,017,000 | 2,100,000 | 3,189,000 | 4,401,000 |
| Noninterest income | 119,000 | 243,000 | 372,000 | 495,000 |
| Noninterest expense | 995,000 | 1,967,000 | 3,324,000 | 3,990,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 141,000 | 376,000 | 237,000 | 906,000 |
| Income tax | 28,000 | 74,000 | 101,000 | 177,000 |
| Net income | 113,000 | 302,000 | 136,000 | 729,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,120,000 | 15,259,000 | 15,093,000 | 15,407,000 |