Call reports 2025
SSB BANK — 2025
What SSB 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 | 334,023,000 | 357,617,000 | 363,879,000 | 368,085,000 |
| Total loans | 264,112,000 | 267,880,000 | 274,699,000 | 280,824,000 |
| Allowance for loan losses | 2,742,000 | 2,764,000 | 2,650,000 | 2,907,000 |
| Securities available for sale | 7,100,000 | 6,298,000 | 5,774,000 | 5,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 282,870,000 | 305,709,000 | 316,006,000 | 318,757,000 |
| Interest-bearing deposits | 200,635,000 | 218,845,000 | 237,368,000 | 231,035,000 |
| Noninterest-bearing deposits | 82,235,000 | 86,864,000 | 78,638,000 | 87,722,000 |
| Equity capital | 25,993,000 | 26,660,000 | 27,469,000 | 28,392,000 |
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 | 4,221,000 | 8,720,000 | 13,461,000 | 18,447,000 |
| Interest expense | 2,077,000 | 4,222,000 | 6,308,000 | 8,279,000 |
| Net interest income | 2,144,000 | 4,498,000 | 7,153,000 | 10,168,000 |
| Noninterest income | 957,000 | 2,034,000 | 3,433,000 | 4,963,000 |
| Noninterest expense | 2,193,000 | 4,614,000 | 7,490,000 | 10,478,000 |
| Provision for loan losses | 198,000 | 338,000 | 538,000 | 808,000 |
| Pretax income | 710,000 | 1,580,000 | 2,558,000 | 3,845,000 |
| Income tax | 139,000 | 365,000 | 590,000 | 962,000 |
| Net income | 571,000 | 1,215,000 | 1,968,000 | 2,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,154,000 | 26,798,000 | 27,551,000 | 28,467,000 |
| Total capital | 29,102,000 | 29,768,000 | 30,407,000 | 31,580,000 |
| Risk-weighted assets | 241,522,000 | 239,562,000 | 248,284,000 | 257,552,000 |