Call reports 2025
SIDNEY STATE BANK — 2025
What SIDNEY 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 | 144,261,000 | 146,513,000 | 145,210,000 | 140,646,000 |
| Total loans | 93,524,000 | 94,988,000 | 93,603,000 | 94,752,000 |
| Allowance for loan losses | 1,333,000 | 1,366,000 | 1,385,000 | 1,433,000 |
| Securities available for sale | 22,089,000 | 23,778,000 | 26,287,000 | 27,728,000 |
| Securities held to maturity | 8,116,000 | 7,839,000 | 7,671,000 | 7,774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,588,000 | 132,134,000 | 130,337,000 | 125,503,000 |
| Interest-bearing deposits | 114,359,000 | 113,980,000 | 112,116,000 | 107,434,000 |
| Noninterest-bearing deposits | 16,229,000 | 18,154,000 | 18,221,000 | 18,069,000 |
| Equity capital | 11,691,000 | 12,361,000 | 12,680,000 | 13,282,000 |
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 | 1,897,000 | 3,958,000 | 5,381,000 | 8,232,000 |
| Interest expense | 456,000 | 893,000 | 1,212,000 | 1,793,000 |
| Net interest income | 1,441,000 | 3,065,000 | 4,169,000 | 6,439,000 |
| Noninterest income | 84,000 | 186,000 | 255,000 | 397,000 |
| Noninterest expense | 883,000 | 1,775,000 | 2,377,000 | 3,568,000 |
| Provision for loan losses | 24,000 | 56,000 | 80,000 | 123,000 |
| Pretax income | 618,000 | 1,381,000 | 1,900,000 | 3,069,000 |
| Income tax | 131,000 | 291,000 | 381,000 | 657,000 |
| Net income | 487,000 | 1,090,000 | 1,519,000 | 2,412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,852,000 | 12,409,000 | 12,728,000 | 13,168,000 |
| Total capital | 12,806,000 | 13,386,000 | 13,687,000 | — |
| Risk-weighted assets | 75,843,000 | 77,737,000 | 76,193,000 | — |