Call reports 2025
SPRATT SAVINGS BANK — 2025
What SPRATT SAVINGS 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 | 144,611,000 | 147,996,000 | 149,946,000 | 150,329,000 |
| Total loans | 49,596,000 | 49,207,000 | 48,400,000 | 47,657,000 |
| Allowance for loan losses | 1,156,000 | 1,156,000 | 1,116,000 | 1,119,000 |
| Securities available for sale | 10,511,000 | 10,531,000 | 10,106,000 | 9,511,000 |
| Securities held to maturity | 64,693,000 | 66,471,000 | 68,764,000 | 71,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,718,000 | 116,991,000 | 118,754,000 | 119,071,000 |
| Interest-bearing deposits | 100,761,000 | 102,403,000 | 105,737,000 | 106,354,000 |
| Noninterest-bearing deposits | 12,957,000 | 14,588,000 | 13,017,000 | 12,717,000 |
| Equity capital | 30,535,000 | 30,667,000 | 30,804,000 | 30,919,000 |
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 | 1,378,000 | 2,816,000 | 4,294,000 | 5,774,000 |
| Interest expense | 460,000 | 918,000 | 1,372,000 | 1,819,000 |
| Net interest income | 918,000 | 1,898,000 | 2,922,000 | 3,955,000 |
| Noninterest income | 60,000 | 120,000 | 175,000 | 234,000 |
| Noninterest expense | 901,000 | 1,808,000 | 2,773,000 | 3,754,000 |
| Provision for loan losses | 0 | 0 | -40,000 | -40,000 |
| Pretax income | 77,000 | 210,000 | 324,000 | 435,000 |
| Income tax | 15,000 | 44,000 | 69,000 | 93,000 |
| Net income | 62,000 | 166,000 | 255,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,776,000 | 30,881,000 | 30,970,000 | 31,056,000 |