Call reports 2025
FIRST BANK OF THE LAKE — 2025
What FIRST BANK OF THE LAKE 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 | 1,728,960,000 | 1,869,504,000 | 2,018,060,000 | 2,266,431,000 |
| Total loans | 1,662,456,000 | 1,802,466,000 | 1,888,296,000 | 2,084,558,000 |
| Allowance for loan losses | 10,766,000 | 10,400,000 | 12,733,000 | 14,584,000 |
| Securities available for sale | 8,003,000 | 2,007,000 | 6,015,000 | 6,049,000 |
| Securities held to maturity | 1,496,000 | 1,508,000 | 1,520,000 | 1,531,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,465,832,000 | 1,561,155,000 | 1,742,766,000 | 1,935,642,000 |
| Interest-bearing deposits | 1,449,809,000 | 1,545,498,000 | 1,728,175,000 | 1,918,070,000 |
| Noninterest-bearing deposits | 16,023,000 | 15,657,000 | 14,591,000 | 17,572,000 |
| Equity capital | 125,571,000 | 137,801,000 | 155,104,000 | 160,351,000 |
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 | 29,358,000 | 62,533,000 | 98,299,000 | 136,271,000 |
| Interest expense | 16,460,000 | 34,119,000 | 52,739,000 | 72,655,000 |
| Net interest income | 12,898,000 | 28,414,000 | 45,560,000 | 63,616,000 |
| Noninterest income | 1,523,000 | 1,797,000 | 3,151,000 | 6,646,000 |
| Noninterest expense | 12,729,000 | 23,293,000 | 33,886,000 | 45,921,000 |
| Provision for loan losses | 3,965,000 | 5,857,000 | 8,801,000 | 14,002,000 |
| Pretax income | -2,273,000 | 1,061,000 | 6,024,000 | 10,339,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -2,273,000 | 1,061,000 | 6,024,000 | 10,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,138,000 | 135,569,000 | 152,590,000 | 157,022,000 |
| Total capital | 132,947,000 | 145,974,000 | 164,058,000 | 169,512,000 |
| Risk-weighted assets | 783,779,000 | 854,805,000 | 917,498,000 | 999,149,000 |