Call reports 2025
LUSITANIA SAVINGS BANK — 2025
What LUSITANIA SAVINGS 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 | 390,318,000 | 394,297,000 | 394,946,000 | 403,682,000 |
| Total loans | 228,021,000 | 225,297,000 | 230,336,000 | 225,654,000 |
| Allowance for loan losses | 2,578,000 | 2,587,000 | 2,559,000 | 2,651,000 |
| Securities available for sale | 24,094,000 | 23,755,000 | 23,649,000 | 23,227,000 |
| Securities held to maturity | 90,341,000 | 93,927,000 | 95,452,000 | 104,388,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 328,502,000 | 331,361,000 | 331,925,000 | 340,125,000 |
| Interest-bearing deposits | 273,120,000 | 273,823,000 | 274,716,000 | 286,988,000 |
| Noninterest-bearing deposits | 55,382,000 | 57,538,000 | 57,209,000 | 53,137,000 |
| Equity capital | 57,439,000 | 57,975,000 | 58,883,000 | 59,203,000 |
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 | 3,255,000 | 6,694,000 | 10,375,000 | 14,038,000 |
| Interest expense | 1,370,000 | 2,736,000 | 4,109,000 | 5,575,000 |
| Net interest income | 1,885,000 | 3,958,000 | 6,266,000 | 8,463,000 |
| Noninterest income | 142,000 | 282,000 | 426,000 | 569,000 |
| Noninterest expense | 1,586,000 | 3,276,000 | 4,972,000 | 6,991,000 |
| Provision for loan losses | 44,000 | 52,000 | 23,000 | 116,000 |
| Pretax income | 416,000 | 914,000 | 1,645,000 | 1,941,000 |
| Income tax | 104,000 | 229,000 | 426,000 | 494,000 |
| Net income | 312,000 | 685,000 | 1,219,000 | 1,447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,038,000 | 60,410,000 | 60,945,000 | 61,173,000 |
| Total capital | 62,340,000 | 62,725,000 | 63,198,000 | 63,355,000 |
| Risk-weighted assets | 183,888,000 | 184,956,000 | 179,931,000 | 174,120,000 |