Call reports 2025
HOYNE SAVINGS BANK — 2025
What HOYNE 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 | 465,410,000 | 453,316,000 | 454,715,000 | 489,987,000 |
| Total loans | 247,037,000 | 249,943,000 | 251,978,000 | 272,018,000 |
| Allowance for loan losses | 2,273,000 | 2,412,000 | 2,547,000 | 2,682,000 |
| Securities available for sale | 115,217,000 | 111,773,000 | 108,839,000 | 106,653,000 |
| Securities held to maturity | 32,531,000 | 31,123,000 | 29,804,000 | 28,369,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,421,000 | 369,984,000 | 369,238,000 | 357,250,000 |
| Interest-bearing deposits | 364,694,000 | 347,697,000 | 344,584,000 | 304,385,000 |
| Noninterest-bearing deposits | 17,727,000 | 22,287,000 | 24,654,000 | 52,865,000 |
| Equity capital | 79,629,000 | 80,824,000 | 82,306,000 | 122,828,000 |
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 | 4,786,000 | 9,791,000 | 14,807,000 | 20,416,000 |
| Interest expense | 1,667,000 | 3,300,000 | 4,891,000 | 6,284,000 |
| Net interest income | 3,119,000 | 6,491,000 | 9,916,000 | 14,132,000 |
| Noninterest income | 181,000 | 400,000 | 617,000 | 1,170,000 |
| Noninterest expense | 3,255,000 | 6,241,000 | 9,373,000 | 12,792,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | -90,000 | 380,000 | 755,000 | 1,970,000 |
| Income tax | -77,000 | -5,000 | 73,000 | 353,000 |
| Net income | -13,000 | 385,000 | 682,000 | 1,617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,100,000 | 89,498,000 | 89,850,000 | 126,791,000 |