Call reports 2025
STURDY SAVINGS BANK — 2025
What STURDY SAVINGS 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 | 1,129,648,000 | 1,130,011,000 | 1,171,230,000 | 1,123,275,000 |
| Total loans | 628,002,000 | 632,705,000 | 622,069,000 | 625,360,000 |
| Allowance for loan losses | 3,753,000 | 3,813,000 | 3,124,000 | 3,199,000 |
| Securities available for sale | 139,804,000 | 136,827,000 | 132,858,000 | 125,114,000 |
| Securities held to maturity | 262,185,000 | 257,089,000 | 251,182,000 | 246,334,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 983,421,000 | 989,361,000 | 1,060,517,000 | 1,011,275,000 |
| Interest-bearing deposits | 792,664,000 | 766,801,000 | 818,463,000 | 802,960,000 |
| Noninterest-bearing deposits | 190,757,000 | 222,560,000 | 242,054,000 | 208,315,000 |
| Equity capital | 82,271,000 | 84,442,000 | 88,999,000 | 91,757,000 |
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 | 10,273,000 | 20,952,000 | 32,173,000 | 43,613,000 |
| Interest expense | 2,639,000 | 5,374,000 | 7,706,000 | 10,044,000 |
| Net interest income | 7,634,000 | 15,578,000 | 24,467,000 | 33,569,000 |
| Noninterest income | 1,257,000 | 2,433,000 | 3,641,000 | 4,689,000 |
| Noninterest expense | 7,629,000 | 15,125,000 | 22,759,000 | 30,229,000 |
| Provision for loan losses | 72,000 | 133,000 | -394,000 | -319,000 |
| Pretax income | 1,241,000 | 2,826,000 | 5,831,000 | 8,031,000 |
| Income tax | 245,000 | 637,000 | 1,419,000 | 1,988,000 |
| Net income | 996,000 | 2,189,000 | 4,412,000 | 6,043,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,589,000 | 103,782,000 | 106,005,000 | 107,136,000 |
| Total capital | 106,411,000 | 107,653,000 | 109,200,000 | 110,409,000 |
| Risk-weighted assets | 680,903,000 | 681,853,000 | 659,907,000 | 663,820,000 |