Call reports 2025
STATE BANK & TRUST OF KENMARE — 2025
What STATE BANK & TRUST OF KENMARE 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 | 184,251,000 | 181,796,000 | 188,579,000 | 191,200,000 |
| Total loans | 85,850,000 | 90,518,000 | 91,907,000 | 87,865,000 |
| Allowance for loan losses | 870,000 | 873,000 | 906,000 | 918,000 |
| Securities available for sale | 64,684,000 | 68,635,000 | 71,407,000 | 73,233,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 170,659,000 | 166,853,000 | 171,725,000 | 173,955,000 |
| Interest-bearing deposits | 146,994,000 | 146,851,000 | 149,040,000 | 150,603,000 |
| Noninterest-bearing deposits | 23,665,000 | 20,002,000 | 22,685,000 | 23,352,000 |
| Equity capital | 9,938,000 | 11,165,000 | 13,044,000 | 13,600,000 |
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 | 1,974,000 | 4,036,000 | 6,183,000 | 8,286,000 |
| Interest expense | 910,000 | 1,809,000 | 2,731,000 | 3,636,000 |
| Net interest income | 1,064,000 | 2,227,000 | 3,452,000 | 4,650,000 |
| Noninterest income | 28,000 | 50,000 | 76,000 | 108,000 |
| Noninterest expense | 774,000 | 1,556,000 | 2,371,000 | 3,434,000 |
| Provision for loan losses | 0 | 0 | 37,000 | 52,000 |
| Pretax income | 315,000 | 716,000 | 1,114,000 | 1,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 315,000 | 716,000 | 1,114,000 | 1,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,377,000 | 16,796,000 | 17,213,000 | 17,384,000 |
| Total capital | 17,247,000 | 17,669,000 | 18,119,000 | 18,301,000 |
| Risk-weighted assets | 106,361,000 | 111,357,000 | 114,398,000 | 108,389,000 |