Call reports 2025
ROOT RIVER STATE BANK — 2025
What ROOT RIVER 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 | 82,030,000 | 82,744,000 | 81,779,000 | 85,901,000 |
| Total loans | 30,272,000 | 30,167,000 | 29,323,000 | 28,604,000 |
| Allowance for loan losses | 249,000 | 249,000 | 249,000 | 249,000 |
| Securities available for sale | 37,971,000 | 38,338,000 | 39,652,000 | 39,593,000 |
| Securities held to maturity | 834,000 | 777,000 | 737,000 | 686,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,415,000 | 76,905,000 | 75,386,000 | 79,423,000 |
| Interest-bearing deposits | 68,538,000 | 69,765,000 | 67,804,000 | 71,659,000 |
| Noninterest-bearing deposits | 7,877,000 | 7,140,000 | 7,582,000 | 7,764,000 |
| Equity capital | 5,374,000 | 5,651,000 | 6,167,000 | 6,300,000 |
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 | 715,000 | 1,460,000 | 2,204,000 | 2,958,000 |
| Interest expense | 315,000 | 641,000 | 970,000 | 1,309,000 |
| Net interest income | 400,000 | 819,000 | 1,234,000 | 1,649,000 |
| Noninterest income | 37,000 | 73,000 | 112,000 | 149,000 |
| Noninterest expense | 450,000 | 881,000 | 1,329,000 | 1,777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -13,000 | 11,000 | 17,000 | 21,000 |
| Income tax | -14,000 | -18,000 | -28,000 | -31,000 |
| Net income | 1,000 | 29,000 | 45,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,696,000 | 8,724,000 | 8,741,000 | 8,748,000 |
| Total capital | 8,952,000 | 8,980,000 | 8,997,000 | 9,004,000 |
| Risk-weighted assets | 44,684,000 | 44,436,000 | 43,460,000 | 44,526,000 |