Call reports 2025
POTTER STATE BANK OF POTTER, THE — 2025
What POTTER STATE BANK OF POTTER, 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 | 50,361,000 | 47,654,000 | 47,246,000 | 53,637,000 |
| Total loans | 19,158,000 | 19,396,000 | 20,208,000 | 21,397,000 |
| Allowance for loan losses | 309,000 | 308,000 | 288,000 | 295,000 |
| Securities available for sale | 17,685,000 | 17,445,000 | 17,859,000 | 17,237,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,244,000 | 40,356,000 | 39,577,000 | 47,284,000 |
| Interest-bearing deposits | 34,431,000 | 32,990,000 | 31,959,000 | 37,425,000 |
| Noninterest-bearing deposits | 8,813,000 | 7,366,000 | 7,618,000 | 9,859,000 |
| Equity capital | 6,984,000 | 7,170,000 | 7,500,000 | 6,016,000 |
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 | 616,000 | 1,217,000 | 1,818,000 | 2,461,000 |
| Interest expense | 193,000 | 371,000 | 544,000 | 733,000 |
| Net interest income | 423,000 | 846,000 | 1,274,000 | 1,728,000 |
| Noninterest income | 81,000 | 116,000 | 225,000 | 262,000 |
| Noninterest expense | 290,000 | 574,000 | 861,000 | 1,266,000 |
| Provision for loan losses | 0 | 0 | 88,000 | 88,000 |
| Pretax income | 214,000 | 388,000 | 550,000 | 636,000 |
| Income tax | 31,000 | 62,000 | 87,000 | 104,000 |
| Net income | 183,000 | 326,000 | 463,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,279,000 | 8,362,000 | 8,469,000 | 6,938,000 |