Call reports 2025
SECURITY TRUST & SAVINGS BANK — 2025
What SECURITY TRUST & SAVINGS 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 | 282,022,000 | 268,563,000 | 282,514,000 | 274,873,000 |
| Total loans | 78,969,000 | 77,387,000 | 75,749,000 | 82,259,000 |
| Allowance for loan losses | 1,334,000 | 1,334,000 | 1,335,000 | 1,389,000 |
| Securities available for sale | 104,324,000 | 101,994,000 | 100,864,000 | 99,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,900,000 | 243,885,000 | 256,226,000 | 248,237,000 |
| Interest-bearing deposits | 241,443,000 | 228,066,000 | 240,450,000 | 230,478,000 |
| Noninterest-bearing deposits | 16,457,000 | 15,819,000 | 15,776,000 | 17,759,000 |
| Equity capital | 23,499,000 | 24,028,000 | 25,591,000 | 26,088,000 |
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 | 2,995,000 | 6,088,000 | 9,158,000 | 12,236,000 |
| Interest expense | 1,452,000 | 2,892,000 | 4,327,000 | 5,611,000 |
| Net interest income | 1,543,000 | 3,196,000 | 4,831,000 | 6,625,000 |
| Noninterest income | 53,000 | 110,000 | 208,000 | 254,000 |
| Noninterest expense | 975,000 | 1,938,000 | 2,878,000 | 3,919,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 620,000 | 1,368,000 | 2,150,000 | 2,906,000 |
| Income tax | 23,000 | 54,000 | 82,000 | 110,000 |
| Net income | 597,000 | 1,314,000 | 2,068,000 | 2,796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,723,000 | 26,705,000 | 27,472,000 | 27,462,000 |
| Total capital | 27,855,000 | 27,807,000 | 28,553,000 | 28,618,000 |
| Risk-weighted assets | 90,323,000 | 87,952,000 | 86,197,000 | 92,246,000 |