Call reports 2025
JAMES POLK STONE COMMUNITY BANK — 2025
What JAMES POLK STONE COMMUNITY 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 | 411,524,000 | 436,433,000 | 423,979,000 | 442,995,000 |
| Total loans | 181,091,000 | 183,742,000 | 182,103,000 | 184,270,000 |
| Allowance for loan losses | 4,442,000 | 4,719,000 | 4,741,000 | 4,795,000 |
| Securities available for sale | 118,469,000 | 135,035,000 | 142,050,000 | 141,851,000 |
| Securities held to maturity | 8,312,000 | 8,260,000 | 8,211,000 | 8,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,364,000 | 377,832,000 | 361,854,000 | 376,804,000 |
| Interest-bearing deposits | 187,596,000 | 202,077,000 | 195,191,000 | 202,293,000 |
| Noninterest-bearing deposits | 167,768,000 | 175,755,000 | 166,663,000 | 174,511,000 |
| Equity capital | 25,805,000 | 27,264,000 | 31,239,000 | 34,483,000 |
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 | 5,422,000 | 11,395,000 | 17,156,000 | 23,173,000 |
| Interest expense | 1,214,000 | 2,477,000 | 3,756,000 | 4,908,000 |
| Net interest income | 4,208,000 | 8,918,000 | 13,400,000 | 18,265,000 |
| Noninterest income | 1,142,000 | 2,327,000 | 3,677,000 | 4,844,000 |
| Noninterest expense | 3,462,000 | 6,855,000 | 10,030,000 | 13,827,000 |
| Provision for loan losses | 175,000 | 450,000 | 500,000 | 650,000 |
| Pretax income | 1,115,000 | 3,342,000 | 5,949,000 | 8,034,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,115,000 | 3,342,000 | 5,949,000 | 8,034,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,183,000 | 39,092,000 | 40,692,000 | 42,776,000 |