Call reports 2026
SPRATT SAVINGS BANK — 2026
What SPRATT SAVINGS BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 150,344,000 | 154,402,000 |
| Total loans | 46,852,000 | 48,513,000 |
| Allowance for loan losses | 1,118,000 | 1,118,000 |
| Securities available for sale | 8,948,000 | 8,437,000 |
| Securities held to maturity | 74,818,000 | 74,276,000 |
| Trading assets | 0 | 0 |
| Total deposits | 119,049,000 | 123,035,000 |
| Interest-bearing deposits | 105,741,000 | 109,511,000 |
| Noninterest-bearing deposits | 13,308,000 | 13,524,000 |
| Equity capital | 30,922,000 | 30,969,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 1,472,000 | 2,980,000 |
| Interest expense | 421,000 | 838,000 |
| Net interest income | 1,051,000 | 2,142,000 |
| Noninterest income | 58,000 | 113,000 |
| Noninterest expense | 1,030,000 | 2,085,000 |
| Provision for loan losses | -1,000 | -1,000 |
| Pretax income | 79,000 | 170,000 |
| Income tax | 16,000 | 34,000 |
| Net income | 63,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 31,119,000 | 31,192,000 |