Call reports 2025
STOCK EXCHANGE BANK — 2025
What STOCK EXCHANGE 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 | 85,844,000 | 85,187,000 | 89,528,000 | 90,011,000 |
| Total loans | 71,057,000 | 71,072,000 | 73,980,000 | 77,086,000 |
| Allowance for loan losses | 893,000 | 915,000 | 888,000 | 932,000 |
| Securities available for sale | 7,600,000 | 8,133,000 | 8,407,000 | 8,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,915,000 | 78,080,000 | 82,126,000 | 79,974,000 |
| Interest-bearing deposits | 66,125,000 | 66,702,000 | 67,322,000 | 66,963,000 |
| Noninterest-bearing deposits | 12,790,000 | 11,378,000 | 14,804,000 | 13,011,000 |
| Equity capital | 6,662,000 | 6,844,000 | 7,147,000 | 7,317,000 |
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 | 1,315,000 | 2,655,000 | 4,018,000 | 5,436,000 |
| Interest expense | 485,000 | 957,000 | 1,426,000 | 1,874,000 |
| Net interest income | 830,000 | 1,698,000 | 2,592,000 | 3,562,000 |
| Noninterest income | 52,000 | 118,000 | 189,000 | 251,000 |
| Noninterest expense | 592,000 | 1,245,000 | 1,872,000 | 2,606,000 |
| Provision for loan losses | 21,000 | 42,000 | 63,000 | 87,000 |
| Pretax income | 272,000 | 532,000 | 848,000 | 1,099,000 |
| Income tax | 64,000 | 118,000 | 183,000 | 235,000 |
| Net income | 208,000 | 414,000 | 665,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,363,000 | 7,521,000 | 7,715,000 | 7,857,000 |
| Total capital | 8,043,000 | 8,216,000 | 8,432,000 | 8,595,000 |
| Risk-weighted assets | 54,251,000 | 55,399,000 | 57,183,000 | 58,883,000 |