Call reports 2025
INDEPENDENCE STATE BANK — 2025
What INDEPENDENCE STATE 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 | 84,709,000 | 82,668,000 | 83,891,000 | 88,359,000 |
| Total loans | 57,621,000 | 59,363,000 | 61,604,000 | 64,656,000 |
| Allowance for loan losses | 693,000 | 693,000 | 693,000 | 693,000 |
| Securities available for sale | 13,680,000 | 14,237,000 | 14,161,000 | 14,296,000 |
| Securities held to maturity | 236,000 | 120,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,828,000 | 71,691,000 | 72,638,000 | 76,467,000 |
| Interest-bearing deposits | 58,738,000 | 57,403,000 | 58,665,000 | 58,658,000 |
| Noninterest-bearing deposits | 15,090,000 | 14,288,000 | 13,973,000 | 17,809,000 |
| Equity capital | 7,501,000 | 7,793,000 | 8,145,000 | 8,507,000 |
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 | 1,140,000 | 2,328,000 | 3,560,000 | 4,827,000 |
| Interest expense | 281,000 | 551,000 | 840,000 | 1,136,000 |
| Net interest income | 859,000 | 1,777,000 | 2,720,000 | 3,691,000 |
| Noninterest income | 40,000 | 68,000 | 117,000 | 177,000 |
| Noninterest expense | 640,000 | 1,282,000 | 1,941,000 | 2,606,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 257,000 | 560,000 | 889,000 | 1,238,000 |
| Income tax | 51,000 | 111,000 | 176,000 | 233,000 |
| Net income | 206,000 | 449,000 | 713,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,795,000 | 8,038,000 | 8,302,000 | 8,711,000 |
| Total capital | 8,512,000 | 8,755,000 | 9,019,000 | 9,428,000 |
| Risk-weighted assets | 64,722,000 | 66,158,000 | 69,401,000 | 71,677,000 |