Call reports 2025
SMACKOVER STATE BANK — 2025
What SMACKOVER STATE 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 | 248,196,000 | 256,082,000 | 256,955,000 | 251,376,000 |
| Total loans | 162,854,000 | 169,966,000 | 173,549,000 | 173,408,000 |
| Allowance for loan losses | 1,226,000 | 1,277,000 | 1,460,000 | 1,494,000 |
| Securities available for sale | 35,086,000 | 36,089,000 | 34,371,000 | 32,710,000 |
| Securities held to maturity | 39,992,000 | 39,134,000 | 38,305,000 | 37,648,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 205,042,000 | 206,059,000 | 205,856,000 | 205,589,000 |
| Interest-bearing deposits | 165,394,000 | 161,792,000 | 162,425,000 | 165,552,000 |
| Noninterest-bearing deposits | 39,648,000 | 44,267,000 | 43,431,000 | 40,037,000 |
| Equity capital | 22,394,000 | 24,076,000 | 24,993,000 | 25,020,000 |
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 | 2,881,000 | 6,006,000 | 9,258,000 | 12,527,000 |
| Interest expense | 1,418,000 | 2,934,000 | 4,409,000 | 5,835,000 |
| Net interest income | 1,463,000 | 3,072,000 | 4,849,000 | 6,692,000 |
| Noninterest income | 212,000 | 441,000 | 591,000 | 862,000 |
| Noninterest expense | 1,084,000 | 2,173,000 | 3,057,000 | 4,326,000 |
| Provision for loan losses | 25,000 | 100,000 | 285,000 | 285,000 |
| Pretax income | 566,000 | 1,240,000 | 2,098,000 | 2,943,000 |
| Income tax | 102,000 | 253,000 | 368,000 | 430,000 |
| Net income | 464,000 | 987,000 | 1,730,000 | 2,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,131,000 | 26,504,000 | 26,987,000 | 26,870,000 |