Call reports 2025
STATE EXCHANGE BANK, THE — 2025
What STATE EXCHANGE 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 | 110,179,000 | 95,286,000 | 93,596,000 | 95,067,000 |
| Total loans | 89,485,000 | 75,244,000 | 74,970,000 | 70,743,000 |
| Allowance for loan losses | 2,580,000 | 1,436,000 | 1,526,000 | 1,767,000 |
| Securities available for sale | 6,016,000 | 5,335,000 | 5,846,000 | 6,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,017,000 | 84,956,000 | 83,044,000 | 84,069,000 |
| Interest-bearing deposits | 74,818,000 | 70,211,000 | 65,924,000 | 68,941,000 |
| Noninterest-bearing deposits | 18,199,000 | 14,745,000 | 17,120,000 | 15,128,000 |
| Equity capital | 10,895,000 | 8,987,000 | 9,230,000 | 9,812,000 |
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 | 1,600,000 | 3,012,000 | 4,422,000 | 6,092,000 |
| Interest expense | 828,000 | 1,553,000 | 2,219,000 | 2,837,000 |
| Net interest income | 772,000 | 1,459,000 | 2,203,000 | 3,255,000 |
| Noninterest income | 41,000 | 189,000 | 230,000 | 276,000 |
| Noninterest expense | 712,000 | 1,339,000 | 1,969,000 | 2,503,000 |
| Provision for loan losses | 85,000 | 2,224,000 | 2,224,000 | 2,224,000 |
| Pretax income | 19,000 | -1,912,000 | -1,757,000 | -1,193,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | -1,912,000 | -1,757,000 | -1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,096,000 | 9,165,000 | 9,320,000 | 9,884,000 |