Call reports 2025
STATE BANK OF CHERRY — 2025
What STATE BANK OF CHERRY 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 | 129,072,000 | 136,435,000 | 137,905,000 | 137,596,000 |
| Total loans | 99,949,000 | 101,242,000 | 98,773,000 | 99,522,000 |
| Allowance for loan losses | 1,902,000 | 1,926,000 | 1,962,000 | 1,647,000 |
| Securities available for sale | 21,860,000 | 28,455,000 | 31,256,000 | 30,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,916,000 | 107,686,000 | 107,535,000 | 107,115,000 |
| Interest-bearing deposits | 86,028,000 | 86,754,000 | 88,934,000 | 88,862,000 |
| Noninterest-bearing deposits | 18,888,000 | 20,932,000 | 18,601,000 | 18,253,000 |
| Equity capital | 14,729,000 | 15,243,000 | 15,856,000 | 16,093,000 |
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 | 1,705,000 | 3,478,000 | 5,353,000 | 7,130,000 |
| Interest expense | 528,000 | 1,087,000 | 1,714,000 | 2,334,000 |
| Net interest income | 1,177,000 | 2,391,000 | 3,639,000 | 4,796,000 |
| Noninterest income | 128,000 | 190,000 | 252,000 | 329,000 |
| Noninterest expense | 722,000 | 1,396,000 | 2,170,000 | 2,940,000 |
| Provision for loan losses | 24,000 | 49,000 | 85,000 | 120,000 |
| Pretax income | 540,000 | 1,117,000 | 1,617,000 | 1,971,000 |
| Income tax | 7,000 | 14,000 | 21,000 | 28,000 |
| Net income | 533,000 | 1,103,000 | 1,596,000 | 1,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,635,000 | 16,064,000 | 16,398,000 | 16,422,000 |