Call reports 2025
STATE BANK OF BEMENT — 2025
What STATE BANK OF BEMENT 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 | 170,806,000 | 171,623,000 | 181,425,000 | 185,585,000 |
| Total loans | 104,789,000 | 106,713,000 | 115,222,000 | 119,392,000 |
| Allowance for loan losses | 1,198,000 | 1,431,000 | 985,000 | 1,017,000 |
| Securities available for sale | 47,739,000 | 45,481,000 | 46,121,000 | 45,354,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,142,000 | 153,350,000 | 160,468,000 | 158,459,000 |
| Interest-bearing deposits | 116,420,000 | 120,176,000 | 128,953,000 | 125,630,000 |
| Noninterest-bearing deposits | 34,722,000 | 33,174,000 | 31,515,000 | 32,829,000 |
| Equity capital | 16,813,000 | 17,345,000 | 17,954,000 | 18,070,000 |
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 | 2,115,000 | 4,293,000 | 6,616,000 | 8,961,000 |
| Interest expense | 571,000 | 1,100,000 | 1,675,000 | 2,262,000 |
| Net interest income | 1,544,000 | 3,193,000 | 4,941,000 | 6,699,000 |
| Noninterest income | 183,000 | 377,000 | 565,000 | 796,000 |
| Noninterest expense | 1,301,000 | 2,655,000 | 4,046,000 | 5,508,000 |
| Provision for loan losses | 180,000 | 360,000 | 460,000 | 525,000 |
| Pretax income | 246,000 | 555,000 | 1,000,000 | 1,462,000 |
| Income tax | 35,000 | 90,000 | 185,000 | 265,000 |
| Net income | 211,000 | 465,000 | 815,000 | 1,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,715,000 | 17,969,000 | 18,319,000 | 18,252,000 |