Call reports 2025
BALDWIN STATE BANK, THE — 2025
What BALDWIN STATE 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 | 105,946,000 | 109,314,000 | 107,923,000 | 105,839,000 |
| Total loans | 48,424,000 | 48,589,000 | 49,171,000 | 48,581,000 |
| Allowance for loan losses | 648,000 | 641,000 | 640,000 | 640,000 |
| Securities available for sale | 40,780,000 | 40,624,000 | 44,670,000 | 44,293,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,963,000 | 96,857,000 | 94,949,000 | 92,558,000 |
| Interest-bearing deposits | 67,156,000 | 67,935,000 | 67,391,000 | 69,036,000 |
| Noninterest-bearing deposits | 26,807,000 | 28,922,000 | 27,558,000 | 23,522,000 |
| Equity capital | 10,143,000 | 10,603,000 | 11,108,000 | 11,435,000 |
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 | 1,163,000 | 2,357,000 | 3,641,000 | 4,893,000 |
| Interest expense | 430,000 | 874,000 | 1,343,000 | 1,804,000 |
| Net interest income | 733,000 | 1,483,000 | 2,298,000 | 3,089,000 |
| Noninterest income | 90,000 | 191,000 | 281,000 | 376,000 |
| Noninterest expense | 585,000 | 1,178,000 | 1,748,000 | 2,442,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 496,000 | 831,000 | 1,023,000 |
| Income tax | 0 | 26,000 | 33,000 | 31,000 |
| Net income | 238,000 | 470,000 | 798,000 | 992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,517,000 | 10,749,000 | 11,077,000 | 11,270,000 |