Call reports 2025
SWEET WATER STATE BANK — 2025
What SWEET WATER 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 | 141,734,000 | 142,773,000 | 149,293,000 | 154,084,000 |
| Total loans | 73,751,000 | 75,925,000 | 76,032,000 | 76,566,000 |
| Allowance for loan losses | 1,052,000 | 1,072,000 | 1,070,000 | 1,668,000 |
| Securities available for sale | 27,097,000 | 27,318,000 | 30,967,000 | 31,976,000 |
| Securities held to maturity | 1,320,000 | 1,320,000 | 1,321,000 | 1,321,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,844,000 | 128,095,000 | 133,322,000 | 138,150,000 |
| Interest-bearing deposits | 86,404,000 | 87,903,000 | 89,859,000 | 94,736,000 |
| Noninterest-bearing deposits | 41,440,000 | 40,192,000 | 43,463,000 | 43,414,000 |
| Equity capital | 11,456,000 | 12,157,000 | 13,313,000 | 13,665,000 |
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 | 2,356,000 | 4,701,000 | 7,098,000 | 9,534,000 |
| Interest expense | 542,000 | 1,077,000 | 1,624,000 | 2,146,000 |
| Net interest income | 1,814,000 | 3,624,000 | 5,474,000 | 7,388,000 |
| Noninterest income | 142,000 | 324,000 | 541,000 | 718,000 |
| Noninterest expense | 1,127,000 | 2,564,000 | 3,805,000 | 5,076,000 |
| Provision for loan losses | 75,000 | 75,000 | 75,000 | 675,000 |
| Pretax income | 754,000 | 1,309,000 | 2,135,000 | 2,355,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 754,000 | 1,309,000 | 2,135,000 | 2,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,924,000 | 14,403,000 | 15,022,000 | 15,205,000 |