Call reports 2025
SHELL LAKE STATE BANK — 2025
What SHELL LAKE 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 | 345,760,000 | 349,651,000 | 363,865,000 | 364,718,000 |
| Total loans | 227,194,000 | 227,027,000 | 229,824,000 | 232,710,000 |
| Allowance for loan losses | 2,792,000 | 2,826,000 | 2,873,000 | 2,918,000 |
| Securities available for sale | 93,120,000 | 95,402,000 | 102,736,000 | 102,125,000 |
| Securities held to maturity | 2,250,000 | 2,250,000 | 2,250,000 | 1,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,108,000 | 298,723,000 | 312,429,000 | 318,536,000 |
| Interest-bearing deposits | 225,796,000 | 232,281,000 | 241,162,000 | 250,312,000 |
| Noninterest-bearing deposits | 65,312,000 | 66,442,000 | 71,267,000 | 68,224,000 |
| Equity capital | 33,083,000 | 34,341,000 | 37,187,000 | 37,843,000 |
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 | 4,035,000 | 8,186,000 | 12,572,000 | 17,086,000 |
| Interest expense | 1,556,000 | 3,188,000 | 4,872,000 | 6,562,000 |
| Net interest income | 2,479,000 | 4,998,000 | 7,700,000 | 10,524,000 |
| Noninterest income | 246,000 | 536,000 | 831,000 | 1,061,000 |
| Noninterest expense | 1,539,000 | 3,245,000 | 4,909,000 | 6,728,000 |
| Provision for loan losses | 113,000 | 147,000 | 210,000 | 256,000 |
| Pretax income | 1,131,000 | 2,146,000 | 3,368,000 | 4,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,131,000 | 2,146,000 | 3,368,000 | 4,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,879,000 | 42,563,000 | 43,535,000 | 43,259,000 |