Call reports 2025
STATE SAVINGS BANK — 2025
What STATE 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 | 245,979,000 | 259,307,000 | 263,103,000 | 274,293,000 |
| Total loans | 224,466,000 | 240,534,000 | 242,340,000 | 240,147,000 |
| Allowance for loan losses | 4,194,000 | 3,911,000 | 4,033,000 | 4,004,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 34,000 | 34,000 | 34,000 | 34,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,235,000 | 188,706,000 | 191,281,000 | 204,588,000 |
| Interest-bearing deposits | 136,494,000 | 141,564,000 | 146,534,000 | 157,302,000 |
| Noninterest-bearing deposits | 48,741,000 | 47,142,000 | 44,747,000 | 47,286,000 |
| Equity capital | 22,728,000 | 23,238,000 | 23,660,000 | 24,184,000 |
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 | 3,698,000 | 7,758,000 | 11,978,000 | 16,164,000 |
| Interest expense | 1,476,000 | 3,040,000 | 4,754,000 | 6,453,000 |
| Net interest income | 2,222,000 | 4,718,000 | 7,224,000 | 9,711,000 |
| Noninterest income | 160,000 | 308,000 | 447,000 | 584,000 |
| Noninterest expense | 1,416,000 | 2,866,000 | 4,349,000 | 5,935,000 |
| Provision for loan losses | 180,000 | -104,000 | 88,000 | 778,000 |
| Pretax income | 790,000 | 1,736,000 | 2,661,000 | 3,450,000 |
| Income tax | 34,000 | 89,000 | 136,000 | 135,000 |
| Net income | 756,000 | 1,647,000 | 2,525,000 | 3,315,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,728,000 | 23,238,000 | 23,660,000 | 24,184,000 |
| Total capital | 25,634,000 | 26,353,000 | 26,762,000 | 27,146,000 |
| Risk-weighted assets | 231,206,000 | 247,862,000 | 246,657,000 | 235,761,000 |
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