Call reports 2025
ELK STATE BANK — 2025
What ELK 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 | 134,203,000 | 132,550,000 | 132,993,000 | 138,859,000 |
| Total loans | 69,054,000 | 69,181,000 | 68,006,000 | 76,283,000 |
| Allowance for loan losses | 959,000 | 978,000 | 981,000 | 982,000 |
| Securities available for sale | 24,353,000 | 24,064,000 | 24,317,000 | 23,790,000 |
| Securities held to maturity | 32,568,000 | 32,406,000 | 32,236,000 | 32,049,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,176,000 | 99,288,000 | 98,501,000 | 100,377,000 |
| Interest-bearing deposits | 76,277,000 | 78,899,000 | 77,868,000 | 78,154,000 |
| Noninterest-bearing deposits | 24,899,000 | 20,389,000 | 20,633,000 | 22,223,000 |
| Equity capital | 9,182,000 | 9,202,000 | 9,856,000 | 9,897,000 |
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 | 1,615,000 | 3,237,000 | 4,877,000 | 6,520,000 |
| Interest expense | 745,000 | 1,467,000 | 2,208,000 | 2,934,000 |
| Net interest income | 870,000 | 1,770,000 | 2,669,000 | 3,586,000 |
| Noninterest income | 59,000 | 120,000 | 191,000 | 253,000 |
| Noninterest expense | 650,000 | 1,348,000 | 2,008,000 | 2,830,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 282,000 | 573,000 | 919,000 | 1,064,000 |
| Income tax | 29,000 | 101,000 | 146,000 | 164,000 |
| Net income | 253,000 | 472,000 | 773,000 | 900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,052,000 | 11,052,000 | 11,372,000 | 11,299,000 |
| Total capital | 11,977,000 | 11,976,000 | 12,288,000 | 12,283,000 |
| Risk-weighted assets | 73,984,000 | 73,878,000 | 73,250,000 | 80,650,000 |
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