Call reports 2025
STATE BANK OF DOWNS — 2025
What STATE BANK OF DOWNS 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 | 145,527,000 | 141,975,000 | 140,825,000 | 140,343,000 |
| Total loans | 89,671,000 | 91,444,000 | 90,992,000 | 85,495,000 |
| Allowance for loan losses | 1,056,000 | 1,056,000 | 1,056,000 | 1,056,000 |
| Securities available for sale | 8,775,000 | 9,446,000 | 9,478,000 | 9,479,000 |
| Securities held to maturity | 49,000 | 49,000 | 50,000 | 50,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,814,000 | 121,285,000 | 119,971,000 | 119,640,000 |
| Interest-bearing deposits | 95,103,000 | 93,372,000 | 91,556,000 | 86,182,000 |
| Noninterest-bearing deposits | 29,711,000 | 27,913,000 | 28,415,000 | 33,458,000 |
| Equity capital | 18,719,000 | 19,192,000 | 19,358,000 | 19,274,000 |
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 | 1,897,000 | 3,996,000 | 5,982,000 | 7,872,000 |
| Interest expense | 701,000 | 1,390,000 | 2,081,000 | 2,724,000 |
| Net interest income | 1,196,000 | 2,606,000 | 3,901,000 | 5,148,000 |
| Noninterest income | 21,000 | 46,000 | 63,000 | 80,000 |
| Noninterest expense | 687,000 | 1,306,000 | 2,045,000 | 2,894,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 90,000 |
| Pretax income | 636,000 | 1,443,000 | 1,923,000 | 2,332,000 |
| Income tax | -2,000 | 33,000 | 55,000 | 82,000 |
| Net income | 638,000 | 1,410,000 | 1,868,000 | 2,250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,719,000 | 19,162,000 | 19,307,000 | 19,219,000 |