Call reports 2025
SCOTTSBURG BUILDING AND LOAN ASSOCIATION — 2025
What SCOTTSBURG BUILDING AND 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 | 76,077,000 | 77,198,000 | 76,605,000 | 76,457,000 |
| Total loans | 45,503,000 | 44,680,000 | 45,816,000 | 47,142,000 |
| Allowance for loan losses | 306,000 | 306,000 | 296,000 | 296,000 |
| Securities available for sale | 21,802,000 | 21,170,000 | 20,432,000 | 19,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,685,000 | 60,829,000 | 60,669,000 | 61,306,000 |
| Interest-bearing deposits | 55,505,000 | 56,291,000 | 57,247,000 | 57,709,000 |
| Noninterest-bearing deposits | 3,180,000 | 4,538,000 | 3,422,000 | 3,597,000 |
| Equity capital | 12,556,000 | 12,673,000 | 13,196,000 | 13,377,000 |
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 | 746,000 | 1,484,000 | 2,245,000 | 3,025,000 |
| Interest expense | 369,000 | 728,000 | 1,072,000 | 1,404,000 |
| Net interest income | 377,000 | 756,000 | 1,173,000 | 1,621,000 |
| Noninterest income | 30,000 | 61,000 | 93,000 | 127,000 |
| Noninterest expense | 380,000 | 739,000 | 1,148,000 | 1,508,000 |
| Provision for loan losses | 0 | 0 | -10,000 | -10,000 |
| Pretax income | 72,000 | 187,000 | 306,000 | 388,000 |
| Income tax | 16,000 | 43,000 | 22,000 | 34,000 |
| Net income | 56,000 | 144,000 | 284,000 | 354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,532,000 | 14,620,000 | 14,760,000 | 14,831,000 |
| Total capital | 14,838,000 | 14,926,000 | 15,066,000 | 15,137,000 |
| Risk-weighted assets | 35,764,000 | 36,302,000 | 36,534,000 | 36,697,000 |