Call reports 2025
STATE BANK OF NEW RICHLAND — 2025
What STATE BANK OF NEW RICHLAND 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 | 124,028,000 | 124,003,000 | 124,522,000 | 126,128,000 |
| Total loans | 110,633,000 | 111,436,000 | 110,325,000 | 112,424,000 |
| Allowance for loan losses | 974,000 | 969,000 | 962,000 | 961,000 |
| Securities available for sale | 7,340,000 | 7,215,000 | 7,594,000 | 7,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 1,514,000 | 0 | 0 |
| Total deposits | 83,703,000 | 75,681,000 | 83,169,000 | 84,511,000 |
| Interest-bearing deposits | 67,771,000 | 59,845,000 | 67,657,000 | 66,640,000 |
| Noninterest-bearing deposits | 15,933,000 | 15,835,000 | 15,513,000 | 17,871,000 |
| Equity capital | 11,255,000 | 11,435,000 | 12,066,000 | 11,273,000 |
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 | 1,827,000 | 3,715,000 | 5,551,000 | 7,388,000 |
| Interest expense | 877,000 | 1,748,000 | 2,583,000 | 3,382,000 |
| Net interest income | 950,000 | 1,967,000 | 2,968,000 | 4,006,000 |
| Noninterest income | 62,000 | 105,000 | 162,000 | 208,000 |
| Noninterest expense | 493,000 | 1,047,000 | 1,541,000 | 2,113,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 519,000 | 1,025,000 | 1,589,000 | 2,086,000 |
| Income tax | 0 | 56,000 | 90,000 | 142,000 |
| Net income | 519,000 | 969,000 | 1,499,000 | 1,944,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,677,000 | 11,916,000 | 12,341,000 | 11,487,000 |
| Total capital | 12,651,000 | 12,885,000 | 13,303,000 | 12,448,000 |
| Risk-weighted assets | 103,712,000 | 105,770,000 | 103,440,000 | 106,441,000 |