Call reports 2025
READLYN SAVINGS BANK, THE — 2025
What READLYN 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 | 144,642,000 | 143,247,000 | 143,602,000 | 147,914,000 |
| Total loans | 107,116,000 | 104,506,000 | 99,702,000 | 97,153,000 |
| Allowance for loan losses | 1,348,000 | 1,348,000 | 1,348,000 | 1,348,000 |
| Securities available for sale | 24,046,000 | 24,409,000 | 28,552,000 | 32,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,168,000 | 108,034,000 | 107,676,000 | 111,655,000 |
| Interest-bearing deposits | 88,619,000 | 87,437,000 | 87,262,000 | 85,746,000 |
| Noninterest-bearing deposits | 20,549,000 | 20,597,000 | 20,414,000 | 25,909,000 |
| Equity capital | 24,851,000 | 25,183,000 | 25,880,000 | 26,476,000 |
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 | 1,809,000 | 3,709,000 | 5,452,000 | 7,427,000 |
| Interest expense | 675,000 | 1,369,000 | 2,048,000 | 2,713,000 |
| Net interest income | 1,134,000 | 2,340,000 | 3,404,000 | 4,714,000 |
| Noninterest income | 30,000 | 63,000 | 92,000 | 120,000 |
| Noninterest expense | 498,000 | 982,000 | 1,484,000 | 1,993,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 666,000 | 1,421,000 | 2,012,000 | 2,841,000 |
| Income tax | 28,000 | 57,000 | 106,000 | 135,000 |
| Net income | 638,000 | 1,364,000 | 1,906,000 | 2,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,101,000 | 28,228,000 | 28,449,000 | 28,874,000 |
| Total capital | 29,449,000 | 29,576,000 | 29,797,000 | 30,222,000 |
| Risk-weighted assets | 114,159,000 | 113,566,000 | 109,878,000 | 110,116,000 |