Call reports 2025
SMALL BUSINESS BANK — 2025
What SMALL BUSINESS 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 | 85,158,000 | 83,583,000 | 77,744,000 | 73,025,000 |
| Total loans | 66,415,000 | 64,444,000 | 63,968,000 | 63,406,000 |
| Allowance for loan losses | 1,156,000 | 1,041,000 | 1,561,000 | 1,712,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,220,000 | 74,284,000 | 70,071,000 | 68,126,000 |
| Interest-bearing deposits | 50,363,000 | 48,611,000 | 45,603,000 | 45,927,000 |
| Noninterest-bearing deposits | 25,857,000 | 25,673,000 | 24,468,000 | 22,199,000 |
| Equity capital | 8,532,000 | 8,870,000 | 7,268,000 | 4,330,000 |
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 | 1,081,000 | 1,971,000 | 2,845,000 | 3,747,000 |
| Interest expense | 544,000 | 1,045,000 | 1,467,000 | 1,899,000 |
| Net interest income | 537,000 | 926,000 | 1,378,000 | 1,848,000 |
| Noninterest income | -11,000 | 81,000 | 160,000 | 237,000 |
| Noninterest expense | 1,635,000 | 2,963,000 | 4,311,000 | 5,562,000 |
| Provision for loan losses | 655,000 | 655,000 | 1,455,000 | 1,590,000 |
| Pretax income | -1,764,000 | -2,611,000 | -4,228,000 | -5,067,000 |
| Income tax | 0 | 0 | 0 | 448,000 |
| Net income | -1,764,000 | -2,611,000 | -4,228,000 | -5,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,972,000 | 7,313,000 | 5,724,000 | 4,302,000 |
| Total capital | 7,348,000 | 7,675,000 | 6,071,000 | 4,628,000 |
| Risk-weighted assets | 29,264,000 | 28,372,000 | 26,515,000 | 24,656,000 |
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