Call reports 2025
SECURITY STATE BANK OF WARROAD — 2025
What SECURITY STATE BANK OF WARROAD 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 | 146,539,000 | 141,562,000 | 145,681,000 | 141,722,000 |
| Total loans | 66,254,000 | 67,492,000 | 69,134,000 | 66,977,000 |
| Allowance for loan losses | 1,975,000 | 1,939,000 | 2,028,000 | 2,074,000 |
| Securities available for sale | 49,673,000 | 51,296,000 | 50,750,000 | 52,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,286,000 | 125,414,000 | 128,668,000 | 124,124,000 |
| Interest-bearing deposits | 91,925,000 | 89,193,000 | 89,404,000 | 85,086,000 |
| Noninterest-bearing deposits | 39,361,000 | 36,221,000 | 39,264,000 | 39,038,000 |
| Equity capital | 14,685,000 | 15,375,000 | 16,320,000 | 17,020,000 |
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 | 1,560,000 | 3,166,000 | 4,827,000 | 6,475,000 |
| Interest expense | 476,000 | 940,000 | 1,378,000 | 1,815,000 |
| Net interest income | 1,084,000 | 2,226,000 | 3,449,000 | 4,660,000 |
| Noninterest income | 7,000 | 12,000 | 17,000 | 27,000 |
| Noninterest expense | 799,000 | 1,667,000 | 2,485,000 | 3,189,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 120,000 |
| Pretax income | 275,000 | 554,000 | 907,000 | 1,379,000 |
| Income tax | 69,000 | 137,000 | 234,000 | 332,000 |
| Net income | 206,000 | 417,000 | 673,000 | 1,047,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,902,000 | 22,112,000 | 22,369,000 | 22,492,000 |