Call reports 2025
BANK OF ST. FRANCISVILLE — 2025
What BANK OF ST. FRANCISVILLE 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 | 383,474,000 | 381,464,000 | 378,999,000 | 377,181,000 |
| Total loans | 274,580,000 | 283,057,000 | 282,698,000 | 292,872,000 |
| Allowance for loan losses | 3,385,000 | 3,512,000 | 3,584,000 | 3,628,000 |
| Securities available for sale | 30,383,000 | 38,595,000 | 48,180,000 | 49,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,189,000 | 327,931,000 | 323,322,000 | 326,109,000 |
| Interest-bearing deposits | 235,904,000 | 233,032,000 | 228,803,000 | 232,725,000 |
| Noninterest-bearing deposits | 94,285,000 | 94,899,000 | 94,519,000 | 93,384,000 |
| Equity capital | 35,493,000 | 35,497,000 | 37,512,000 | 37,936,000 |
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 | 5,847,000 | 11,663,000 | 17,539,000 | 23,295,000 |
| Interest expense | 2,089,000 | 4,173,000 | 6,246,000 | 8,118,000 |
| Net interest income | 3,758,000 | 7,490,000 | 11,293,000 | 15,177,000 |
| Noninterest income | 249,000 | 499,000 | 872,000 | 1,140,000 |
| Noninterest expense | 2,427,000 | 5,111,000 | 7,712,000 | 10,656,000 |
| Provision for loan losses | 255,000 | 360,000 | 465,000 | 645,000 |
| Pretax income | 1,325,000 | 2,518,000 | 3,988,000 | 5,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,325,000 | 2,518,000 | 3,988,000 | 5,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,795,000 | 36,674,000 | 38,144,000 | 38,423,000 |