Call reports 2025
SAVINGS BANK, THE — 2025
What SAVINGS BANK, THE 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 | 517,913,000 | 519,680,000 | 519,280,000 | 517,344,000 |
| Total loans | 358,587,000 | 364,899,000 | 367,295,000 | 377,192,000 |
| Allowance for loan losses | 3,391,000 | 3,329,000 | 3,353,000 | 3,347,000 |
| Securities available for sale | 110,576,000 | 108,661,000 | 106,544,000 | 97,107,000 |
| Securities held to maturity | 2,158,000 | 2,158,000 | 2,158,000 | 2,109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 443,689,000 | 439,332,000 | 439,437,000 | 436,467,000 |
| Interest-bearing deposits | 352,844,000 | 352,526,000 | 355,672,000 | 347,059,000 |
| Noninterest-bearing deposits | 90,845,000 | 86,806,000 | 83,765,000 | 89,408,000 |
| Equity capital | 49,275,000 | 50,092,000 | 51,865,000 | 52,458,000 |
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 | 5,399,000 | 10,992,000 | 16,831,000 | 22,692,000 |
| Interest expense | 1,904,000 | 3,731,000 | 5,705,000 | 7,587,000 |
| Net interest income | 3,495,000 | 7,261,000 | 11,126,000 | 15,105,000 |
| Noninterest income | 509,000 | 1,012,000 | 1,566,000 | 2,081,000 |
| Noninterest expense | 3,364,000 | 6,748,000 | 10,114,000 | 13,286,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 647,000 | 1,506,000 | 2,534,000 | 3,856,000 |
| Income tax | 76,000 | 191,000 | 344,000 | 554,000 |
| Net income | 571,000 | 1,315,000 | 2,190,000 | 3,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,387,000 | 48,632,000 | 49,073,000 | 49,106,000 |
| Total capital | 51,743,000 | 51,951,000 | 52,440,000 | 52,467,000 |
| Risk-weighted assets | 313,605,000 | 321,273,000 | 320,139,000 | 324,005,000 |