Call reports 2025
ST. HENRY BANK, THE — 2025
What ST. HENRY BANK, THE 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 | 472,000,000 | 480,393,000 | 499,462,000 | 543,685,000 |
| Total loans | 249,022,000 | 243,590,000 | 248,632,000 | 255,861,000 |
| Allowance for loan losses | 2,830,000 | 2,845,000 | 3,110,000 | 3,125,000 |
| Securities available for sale | 131,675,000 | 117,097,000 | 148,435,000 | 144,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 425,633,000 | 428,663,000 | 451,544,000 | 491,268,000 |
| Interest-bearing deposits | 304,589,000 | 330,775,000 | 350,213,000 | 379,206,000 |
| Noninterest-bearing deposits | 121,044,000 | 97,888,000 | 101,331,000 | 112,062,000 |
| Equity capital | 43,542,000 | 41,627,000 | 45,286,000 | 48,743,000 |
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 | 5,187,000 | 10,911,000 | 17,042,000 | 23,391,000 |
| Interest expense | 1,345,000 | 2,938,000 | 4,644,000 | 6,375,000 |
| Net interest income | 3,842,000 | 7,973,000 | 12,398,000 | 17,016,000 |
| Noninterest income | 240,000 | 521,000 | 877,000 | 1,443,000 |
| Noninterest expense | 1,410,000 | 3,170,000 | 4,630,000 | 6,954,000 |
| Provision for loan losses | 15,000 | 30,000 | 295,000 | 310,000 |
| Pretax income | 2,657,000 | 5,294,000 | 8,350,000 | 11,095,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 2,657,000 | 5,294,000 | 8,349,000 | 11,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,308,000 | 57,210,000 | 57,968,000 | 60,208,000 |