Call reports 2025
SIBLEY STATE BANK — 2025
What SIBLEY 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 | 106,922,000 | 103,500,000 | 105,001,000 | 103,588,000 |
| Total loans | 70,507,000 | 66,958,000 | 68,240,000 | 69,539,000 |
| Allowance for loan losses | 777,000 | 787,000 | 787,000 | 801,000 |
| Securities available for sale | 22,993,000 | 22,475,000 | 23,321,000 | 26,779,000 |
| Securities held to maturity | 421,000 | 235,000 | 235,000 | 235,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,764,000 | 89,217,000 | 90,997,000 | 89,745,000 |
| Interest-bearing deposits | 76,064,000 | 70,430,000 | 74,099,000 | 69,878,000 |
| Noninterest-bearing deposits | 16,700,000 | 18,787,000 | 16,898,000 | 19,867,000 |
| Equity capital | 10,035,000 | 10,570,000 | 10,120,000 | 10,537,000 |
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 | 1,195,000 | 2,416,000 | 3,667,000 | 4,904,000 |
| Interest expense | 375,000 | 712,000 | 1,033,000 | 1,350,000 |
| Net interest income | 820,000 | 1,704,000 | 2,634,000 | 3,554,000 |
| Noninterest income | 94,000 | 184,000 | 285,000 | 378,000 |
| Noninterest expense | 478,000 | 971,000 | 1,492,000 | 2,029,000 |
| Provision for loan losses | 0 | 0 | 0 | 70,000 |
| Pretax income | 433,000 | 916,000 | 1,416,000 | 1,825,000 |
| Income tax | 100,000 | 210,000 | 325,000 | 418,000 |
| Net income | 333,000 | 706,000 | 1,091,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,494,000 | 11,867,000 | 11,252,000 | 11,568,000 |
| Total capital | 12,271,000 | 12,654,000 | 12,039,000 | 12,369,000 |
| Risk-weighted assets | 79,791,000 | 77,312,000 | 78,771,000 | 80,029,000 |