Call reports 2025
FREEPORT STATE BANK — 2025
What FREEPORT 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 | 172,202,000 | 168,188,000 | 171,931,000 | 169,034,000 |
| Total loans | 103,804,000 | 109,423,000 | 109,912,000 | 110,864,000 |
| Allowance for loan losses | 889,000 | 908,000 | 924,000 | 941,000 |
| Securities available for sale | 15,235,000 | 15,490,000 | 15,624,000 | 15,783,000 |
| Securities held to maturity | 24,475,000 | 24,458,000 | 24,441,000 | 19,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,646,000 | 151,926,000 | 154,881,000 | 152,130,000 |
| Interest-bearing deposits | 120,822,000 | 120,119,000 | 119,523,000 | 116,599,000 |
| Noninterest-bearing deposits | 35,824,000 | 31,807,000 | 35,358,000 | 35,531,000 |
| Equity capital | 14,611,000 | 15,250,000 | 15,810,000 | 16,223,000 |
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 | 2,137,000 | 4,338,000 | 6,576,000 | 8,858,000 |
| Interest expense | 521,000 | 1,041,000 | 1,554,000 | 2,056,000 |
| Net interest income | 1,616,000 | 3,297,000 | 5,022,000 | 6,802,000 |
| Noninterest income | 60,000 | 99,000 | 135,000 | 171,000 |
| Noninterest expense | 1,090,000 | 2,180,000 | 3,301,000 | 4,756,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 571,000 | 1,186,000 | 1,811,000 | 2,158,000 |
| Income tax | 147,000 | 305,000 | 466,000 | 513,000 |
| Net income | 424,000 | 881,000 | 1,345,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,848,000 | 16,305,000 | 16,769,000 | 17,069,000 |
| Total capital | 16,737,000 | 17,213,000 | 17,693,000 | 18,010,000 |
| Risk-weighted assets | 110,077,000 | 112,506,000 | 113,982,000 | 113,239,000 |