Call reports 2025
ERGO BANK — 2025
What ERGO 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 | 240,023,000 | 245,762,000 | 254,611,000 | 261,034,000 |
| Total loans | 195,974,000 | 197,952,000 | 199,337,000 | 205,410,000 |
| Allowance for loan losses | 1,598,000 | 1,659,000 | 1,690,000 | 2,008,000 |
| Securities available for sale | 29,263,000 | 30,967,000 | 34,250,000 | 36,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,288,000 | 209,940,000 | 216,536,000 | 219,564,000 |
| Interest-bearing deposits | 183,306,000 | 189,597,000 | 195,739,000 | 194,852,000 |
| Noninterest-bearing deposits | 18,982,000 | 20,343,000 | 20,797,000 | 24,712,000 |
| Equity capital | 23,655,000 | 24,025,000 | 25,673,000 | 25,894,000 |
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 | 3,490,000 | 7,160,000 | 10,869,000 | 14,982,000 |
| Interest expense | 1,243,000 | 2,537,000 | 3,864,000 | 5,180,000 |
| Net interest income | 2,247,000 | 4,623,000 | 7,005,000 | 9,802,000 |
| Noninterest income | 252,000 | 432,000 | 619,000 | 806,000 |
| Noninterest expense | 1,953,000 | 3,863,000 | 6,027,000 | 8,165,000 |
| Provision for loan losses | 42,000 | 94,000 | 146,000 | 448,000 |
| Pretax income | 529,000 | 1,118,000 | 1,469,000 | 1,956,000 |
| Income tax | 92,000 | 193,000 | 218,000 | 353,000 |
| Net income | 437,000 | 925,000 | 1,251,000 | 1,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,845,000 | 21,095,000 | 22,591,000 | 22,694,000 |
| Total capital | 22,443,000 | 22,754,000 | 24,281,000 | 24,702,000 |
| Risk-weighted assets | 204,089,000 | 206,464,000 | 210,530,000 | 213,992,000 |