Call reports 2025
LOCUS BANK, INC. — 2025
What LOCUS BANK, INC. 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 | 334,843,000 | 332,059,000 | 340,588,000 | 343,849,000 |
| Total loans | 277,255,000 | 272,310,000 | 275,115,000 | 277,535,000 |
| Allowance for loan losses | 1,808,000 | 1,720,000 | 1,656,000 | 1,802,000 |
| Securities available for sale | 28,949,000 | 31,759,000 | 30,343,000 | 32,010,000 |
| Securities held to maturity | 4,413,000 | 4,405,000 | 4,315,000 | 4,258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 232,475,000 | 233,788,000 | 240,130,000 | 244,201,000 |
| Interest-bearing deposits | 187,969,000 | 204,752,000 | 211,406,000 | 212,662,000 |
| Noninterest-bearing deposits | 44,506,000 | 29,036,000 | 28,724,000 | 31,539,000 |
| Equity capital | 69,792,000 | 70,604,000 | 72,144,000 | 72,344,000 |
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 | 4,668,000 | 9,534,000 | 14,466,000 | 19,448,000 |
| Interest expense | 1,995,000 | 4,063,000 | 6,205,000 | 8,338,000 |
| Net interest income | 2,673,000 | 5,471,000 | 8,261,000 | 11,110,000 |
| Noninterest income | 116,000 | 296,000 | 682,000 | 836,000 |
| Noninterest expense | 1,770,000 | 3,341,000 | 4,892,000 | 6,694,000 |
| Provision for loan losses | -3,000 | 226,000 | 161,000 | 304,000 |
| Pretax income | 1,012,000 | 2,175,000 | 3,837,000 | 4,859,000 |
| Income tax | 213,000 | 448,000 | 788,000 | 993,000 |
| Net income | 799,000 | 1,727,000 | 3,049,000 | 3,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,097,000 | 71,841,000 | 73,063,000 | 73,213,000 |
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