Call reports 2025
STATE BANK OF INDUSTRY — 2025
What STATE BANK OF INDUSTRY 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 | 67,433,000 | 66,503,000 | 62,018,000 | 62,400,000 |
| Total loans | 36,937,000 | 37,796,000 | 36,937,000 | 40,211,000 |
| Allowance for loan losses | 499,000 | 502,000 | 498,000 | 492,000 |
| Securities available for sale | 14,186,000 | 14,817,000 | 15,147,000 | 15,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,580,000 | 58,697,000 | 53,641,000 | 53,859,000 |
| Interest-bearing deposits | 53,579,000 | 52,383,000 | 48,131,000 | 47,769,000 |
| Noninterest-bearing deposits | 6,001,000 | 6,314,000 | 5,510,000 | 6,090,000 |
| Equity capital | 7,499,000 | 7,454,000 | 8,003,000 | 8,207,000 |
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 | 787,000 | 1,609,000 | 2,425,000 | 3,211,000 |
| Interest expense | 318,000 | 651,000 | 977,000 | 1,272,000 |
| Net interest income | 469,000 | 958,000 | 1,448,000 | 1,939,000 |
| Noninterest income | 23,000 | 55,000 | 68,000 | 113,000 |
| Noninterest expense | 290,000 | 644,000 | 943,000 | 1,327,000 |
| Provision for loan losses | -13,000 | -9,000 | -8,000 | -14,000 |
| Pretax income | 202,000 | 369,000 | 573,000 | 725,000 |
| Income tax | 6,000 | 6,000 | 6,000 | 6,000 |
| Net income | 196,000 | 363,000 | 567,000 | 719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,032,000 | 9,115,000 | 9,235,000 | 9,303,000 |