Call reports 2025
LAKE REGION BANK — 2025
What LAKE REGION 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 | 142,279,000 | 144,981,000 | 145,358,000 | 143,503,000 |
| Total loans | 62,618,000 | 68,699,000 | 72,601,000 | 73,754,000 |
| Allowance for loan losses | 715,000 | 769,000 | 812,000 | 753,000 |
| Securities available for sale | 62,935,000 | 61,658,000 | 58,766,000 | 56,834,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,503,000 | 128,623,000 | 127,633,000 | 129,161,000 |
| Interest-bearing deposits | 90,404,000 | 90,493,000 | 88,136,000 | 88,487,000 |
| Noninterest-bearing deposits | 39,099,000 | 38,130,000 | 39,497,000 | 40,674,000 |
| Equity capital | 11,893,000 | 11,389,000 | 12,789,000 | 13,435,000 |
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 | 1,642,000 | 3,387,000 | 5,169,000 | 7,034,000 |
| Interest expense | 195,000 | 388,000 | 616,000 | 850,000 |
| Net interest income | 1,447,000 | 2,999,000 | 4,553,000 | 6,184,000 |
| Noninterest income | 543,000 | 1,054,000 | 1,642,000 | 2,304,000 |
| Noninterest expense | 1,398,000 | 2,788,000 | 4,220,000 | 5,803,000 |
| Provision for loan losses | 0 | 47,000 | 83,000 | 165,000 |
| Pretax income | 587,000 | 1,213,000 | 1,858,000 | 2,340,000 |
| Income tax | 33,000 | 74,000 | 121,000 | 233,000 |
| Net income | 554,000 | 1,139,000 | 1,737,000 | 2,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,133,000 | 16,217,000 | 16,815,000 | 16,660,000 |
| Total capital | 17,848,000 | 16,986,000 | 17,627,000 | 17,413,000 |
| Risk-weighted assets | 75,387,000 | 79,913,000 | 82,902,000 | 81,630,000 |