Call reports 2025
DAIRY STATE BANK — 2025
What DAIRY STATE 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 | 743,867,000 | 720,644,000 | 720,920,000 | 732,134,000 |
| Total loans | 345,420,000 | 346,684,000 | 364,736,000 | 384,232,000 |
| Allowance for loan losses | 7,720,000 | 7,030,000 | 7,535,000 | 7,427,000 |
| Securities available for sale | 302,801,000 | 295,980,000 | 271,991,000 | 261,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 640,377,000 | 616,940,000 | 615,134,000 | 629,638,000 |
| Interest-bearing deposits | 536,889,000 | 515,326,000 | 507,269,000 | 516,204,000 |
| Noninterest-bearing deposits | 103,488,000 | 101,614,000 | 107,865,000 | 113,434,000 |
| Equity capital | 70,531,000 | 73,322,000 | 76,310,000 | 77,649,000 |
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 | 8,134,000 | 16,376,000 | 24,742,000 | 33,237,000 |
| Interest expense | 3,653,000 | 7,270,000 | 10,759,000 | 14,189,000 |
| Net interest income | 4,481,000 | 9,106,000 | 13,983,000 | 19,048,000 |
| Noninterest income | 1,089,000 | 1,685,000 | 2,351,000 | 2,928,000 |
| Noninterest expense | 3,447,000 | 7,002,000 | 10,453,000 | 14,023,000 |
| Provision for loan losses | 0 | -609,000 | -123,000 | -252,000 |
| Pretax income | 2,123,000 | 3,789,000 | 5,581,000 | 7,119,000 |
| Income tax | 337,000 | 583,000 | 778,000 | 1,013,000 |
| Net income | 1,786,000 | 3,206,000 | 4,803,000 | 6,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,604,000 | 83,023,000 | 84,621,000 | 85,455,000 |
| Total capital | — | — | — | 91,002,000 |
| Risk-weighted assets | — | — | — | 440,663,000 |