Call reports 2025
DEFIANCE STATE BANK — 2025
What DEFIANCE STATE 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 | 41,388,000 | 39,187,000 | 38,929,000 | 41,777,000 |
| Total loans | 30,578,000 | 29,019,000 | 29,284,000 | 31,722,000 |
| Allowance for loan losses | 177,000 | 177,000 | 177,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,200,000 | 5,944,000 | 4,577,000 | 4,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,368,000 | 32,294,000 | 30,563,000 | 31,061,000 |
| Interest-bearing deposits | 28,277,000 | 27,303,000 | 26,408,000 | 26,630,000 |
| Noninterest-bearing deposits | 5,091,000 | 4,991,000 | 4,155,000 | 4,431,000 |
| Equity capital | 4,026,000 | 3,999,000 | 4,108,000 | 4,055,000 |
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 | 526,000 | 1,023,000 | 1,543,000 | 2,047,000 |
| Interest expense | 127,000 | 266,000 | 385,000 | 522,000 |
| Net interest income | 399,000 | 757,000 | 1,158,000 | 1,525,000 |
| Noninterest income | 18,000 | 32,000 | 49,000 | 64,000 |
| Noninterest expense | 291,000 | 609,000 | 910,000 | 1,314,000 |
| Provision for loan losses | 0 | 0 | 0 | 23,000 |
| Pretax income | 126,000 | 180,000 | 297,000 | 252,000 |
| Income tax | 0 | 1,000 | 9,000 | 17,000 |
| Net income | 126,000 | 179,000 | 288,000 | 235,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,026,000 | 3,999,000 | 4,108,000 | 4,055,000 |
| Total capital | — | — | — | 4,255,000 |
| Risk-weighted assets | — | — | — | 39,217,000 |