Call reports 2025
STATE BANK OF FAIRMONT — 2025
What STATE BANK OF FAIRMONT 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 | 141,768,000 | 141,765,000 | 141,126,000 | 141,531,000 |
| Total loans | 110,203,000 | 111,093,000 | 111,579,000 | 105,287,000 |
| Allowance for loan losses | 2,035,000 | 2,065,000 | 2,096,000 | 1,877,000 |
| Securities available for sale | 16,986,000 | 16,766,000 | 14,735,000 | 19,069,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,012,000 | 127,731,000 | 126,250,000 | 127,168,000 |
| Interest-bearing deposits | 109,484,000 | 108,456,000 | 108,050,000 | 108,128,000 |
| Noninterest-bearing deposits | 18,528,000 | 19,275,000 | 18,200,000 | 19,040,000 |
| Equity capital | 13,386,000 | 13,655,000 | 14,352,000 | 13,991,000 |
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 | 2,189,000 | 4,371,000 | 6,590,000 | 8,755,000 |
| Interest expense | 789,000 | 1,585,000 | 2,382,000 | 3,130,000 |
| Net interest income | 1,400,000 | 2,786,000 | 4,208,000 | 5,625,000 |
| Noninterest income | 62,000 | 126,000 | 190,000 | 250,000 |
| Noninterest expense | 823,000 | 1,685,000 | 2,478,000 | 4,388,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 619,000 | 1,160,000 | 1,821,000 | 1,245,000 |
| Income tax | 18,000 | 33,000 | 48,000 | 63,000 |
| Net income | 601,000 | 1,127,000 | 1,773,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,299,000 | 15,451,000 | 15,930,000 | 15,339,000 |
| Total capital | 16,671,000 | 16,837,000 | 17,318,000 | 16,632,000 |
| Risk-weighted assets | 109,124,000 | 110,188,000 | 110,335,000 | 102,812,000 |
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