Call reports 2025
LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION — 2025
What LADYSMITH FEDERAL SAVINGS & LOAN ASSOCIATION 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 | 89,797,000 | 89,262,000 | 92,636,000 | 93,961,000 |
| Total loans | 67,895,000 | 68,900,000 | 71,661,000 | 72,652,000 |
| Allowance for loan losses | 554,000 | 552,000 | 562,000 | 578,000 |
| Securities available for sale | 14,070,000 | 13,462,000 | 11,697,000 | 12,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,541,000 | 68,137,000 | 69,261,000 | 71,364,000 |
| Interest-bearing deposits | 56,243,000 | 58,009,000 | 58,437,000 | 60,319,000 |
| Noninterest-bearing deposits | 9,298,000 | 10,128,000 | 10,824,000 | 11,045,000 |
| Equity capital | 6,532,000 | 6,678,000 | 7,141,000 | 7,376,000 |
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 | 1,056,000 | 2,109,000 | 3,192,000 | 4,313,000 |
| Interest expense | 408,000 | 807,000 | 1,193,000 | 1,578,000 |
| Net interest income | 648,000 | 1,302,000 | 1,999,000 | 2,735,000 |
| Noninterest income | 89,000 | 210,000 | 205,000 | 409,000 |
| Noninterest expense | 603,000 | 1,208,000 | 1,794,000 | 2,409,000 |
| Provision for loan losses | 10,000 | 18,000 | 28,000 | 49,000 |
| Pretax income | 124,000 | 286,000 | 382,000 | 584,000 |
| Income tax | 15,000 | 39,000 | 49,000 | 82,000 |
| Net income | 109,000 | 247,000 | 333,000 | 502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,960,000 | 8,096,000 | 8,183,000 | 8,352,000 |
| Total capital | 8,514,000 | 8,648,000 | 8,745,000 | 8,930,000 |
| Risk-weighted assets | 51,367,000 | 50,739,000 | 52,292,000 | 53,195,000 |