Call reports 2025
1ST STATE BANK — 2025
What 1ST 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 | 449,175,000 | 468,183,000 | 461,819,000 | 480,460,000 |
| Total loans | 298,652,000 | 319,699,000 | 316,999,000 | 318,719,000 |
| Allowance for loan losses | 5,365,000 | 5,470,000 | 5,524,000 | 5,521,000 |
| Securities available for sale | 83,411,000 | 76,776,000 | 73,484,000 | 66,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,054,000 | 391,280,000 | 399,060,000 | 420,044,000 |
| Interest-bearing deposits | 221,018,000 | 215,851,000 | 231,579,000 | 246,043,000 |
| Noninterest-bearing deposits | 173,036,000 | 175,429,000 | 167,481,000 | 174,001,000 |
| Equity capital | 50,854,000 | 52,242,000 | 54,455,000 | 56,534,000 |
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 | 5,705,000 | 11,719,000 | 18,113,000 | 24,625,000 |
| Interest expense | 1,409,000 | 2,847,000 | 4,466,000 | 6,064,000 |
| Net interest income | 4,296,000 | 8,872,000 | 13,647,000 | 18,561,000 |
| Noninterest income | 421,000 | 851,000 | 1,264,000 | 1,707,000 |
| Noninterest expense | 2,966,000 | 5,947,000 | 8,951,000 | 11,940,000 |
| Provision for loan losses | 62,000 | 162,000 | 213,000 | 209,000 |
| Pretax income | 1,651,000 | 3,576,000 | 5,760,000 | 8,128,000 |
| Income tax | 336,000 | 729,000 | 1,176,000 | 1,661,000 |
| Net income | 1,315,000 | 2,847,000 | 4,584,000 | 6,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,779,000 | 53,881,000 | 55,537,000 | 57,427,000 |
| Total capital | 57,656,000 | 58,731,000 | 60,293,000 | 62,329,000 |
| Risk-weighted assets | 389,484,000 | 387,115,000 | 379,533,000 | 391,324,000 |