Call reports 2025
BANK OF HYDRO — 2025
What BANK OF HYDRO 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 | 173,324,000 | 168,960,000 | 165,888,000 | 167,849,000 |
| Total loans | 144,923,000 | 145,485,000 | 149,021,000 | 156,600,000 |
| Allowance for loan losses | 1,410,000 | 1,420,000 | 1,430,000 | 750,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,145,000 | 146,416,000 | 142,996,000 | 143,534,000 |
| Interest-bearing deposits | 111,439,000 | 109,132,000 | 106,201,000 | 106,008,000 |
| Noninterest-bearing deposits | 39,706,000 | 37,284,000 | 36,795,000 | 37,526,000 |
| Equity capital | 18,978,000 | 19,295,000 | 19,621,000 | 20,101,000 |
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 | 3,237,000 | 6,424,000 | 9,582,000 | 12,711,000 |
| Interest expense | 1,101,000 | 2,077,000 | 3,037,000 | 3,969,000 |
| Net interest income | 2,136,000 | 4,347,000 | 6,545,000 | 8,742,000 |
| Noninterest income | 186,000 | 327,000 | 597,000 | 855,000 |
| Noninterest expense | 1,022,000 | 2,106,000 | 3,259,000 | 4,441,000 |
| Provision for loan losses | 11,000 | 21,000 | 32,000 | -615,000 |
| Pretax income | 1,307,000 | 2,574,000 | 3,878,000 | 5,801,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,307,000 | 2,574,000 | 3,878,000 | 5,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,978,000 | 19,295,000 | 19,621,000 | 20,102,000 |