Call reports 2025
ROLLSTONE BANK & TRUST — 2025
What ROLLSTONE BANK & TRUST 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 | 930,258,000 | 931,306,000 | 905,042,000 | 847,543,000 |
| Total loans | 663,186,000 | 664,591,000 | 635,824,000 | 601,976,000 |
| Allowance for loan losses | 6,180,000 | 6,208,000 | 5,822,000 | 5,374,000 |
| Securities available for sale | 195,377,000 | 198,662,000 | 193,883,000 | 172,423,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 720,692,000 | 706,329,000 | 687,810,000 | 686,023,000 |
| Interest-bearing deposits | 619,899,000 | 605,068,000 | 593,826,000 | 599,520,000 |
| Noninterest-bearing deposits | 100,793,000 | 101,261,000 | 93,984,000 | 86,503,000 |
| Equity capital | 70,654,000 | 69,881,000 | 70,088,000 | 69,351,000 |
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 | 9,206,000 | 18,618,000 | 28,140,000 | 37,266,000 |
| Interest expense | 5,950,000 | 12,017,000 | 18,169,000 | 23,597,000 |
| Net interest income | 3,256,000 | 6,601,000 | 9,971,000 | 13,669,000 |
| Noninterest income | 864,000 | 1,738,000 | -140,000 | -1,927,000 |
| Noninterest expense | 4,809,000 | 9,424,000 | 13,974,000 | 18,414,000 |
| Provision for loan losses | 59,000 | 96,000 | -288,000 | -738,000 |
| Pretax income | -730,000 | -1,146,000 | -3,766,000 | -6,641,000 |
| Income tax | -207,000 | -37,000 | -642,000 | -1,307,000 |
| Net income | -523,000 | -1,109,000 | -3,124,000 | -5,334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,495,000 | 89,909,000 | 87,894,000 | 85,684,000 |
| Total capital | 96,675,000 | 96,117,000 | 93,716,000 | 91,058,000 |
| Risk-weighted assets | 699,340,000 | 700,345,000 | 664,152,000 | 659,594,000 |