Call reports 2025
STATE BANK OF GRAYMONT — 2025
What STATE BANK OF GRAYMONT 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 | 322,903,000 | 318,336,000 | 307,974,000 | 323,043,000 |
| Total loans | 181,974,000 | 186,890,000 | 192,089,000 | 187,790,000 |
| Allowance for loan losses | 2,332,000 | 2,305,000 | 2,318,000 | 2,440,000 |
| Securities available for sale | 94,091,000 | 90,860,000 | 90,951,000 | 96,791,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,285,000 | 280,346,000 | 268,231,000 | 282,111,000 |
| Interest-bearing deposits | 240,659,000 | 236,605,000 | 225,945,000 | 228,927,000 |
| Noninterest-bearing deposits | 44,626,000 | 43,741,000 | 42,286,000 | 53,184,000 |
| Equity capital | 33,308,000 | 33,867,000 | 35,523,000 | 36,206,000 |
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 | 3,516,000 | 6,514,000 | 9,962,000 | 13,459,000 |
| Interest expense | 1,531,000 | 3,003,000 | 4,379,000 | 5,716,000 |
| Net interest income | 1,985,000 | 3,511,000 | 5,583,000 | 7,743,000 |
| Noninterest income | 429,000 | 777,000 | 1,114,000 | 1,558,000 |
| Noninterest expense | 1,513,000 | 3,203,000 | 4,719,000 | 6,448,000 |
| Provision for loan losses | 0 | 0 | 0 | 120,000 |
| Pretax income | 896,000 | 1,076,000 | 1,945,000 | 2,709,000 |
| Income tax | 241,000 | 244,000 | 461,000 | 651,000 |
| Net income | 655,000 | 832,000 | 1,484,000 | 2,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,662,000 | 35,761,000 | 36,334,000 | 36,829,000 |