Call reports 2025
SAVINGS BANK, THE — 2025
What SAVINGS BANK, THE 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 | 833,245,000 | 836,537,000 | 848,780,000 | 873,372,000 |
| Total loans | 610,246,000 | 608,872,000 | 614,092,000 | 626,350,000 |
| Allowance for loan losses | 5,939,000 | 7,787,000 | 4,492,000 | 4,630,000 |
| Securities available for sale | 150,769,000 | 152,708,000 | 153,503,000 | 157,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 735,274,000 | 728,475,000 | 742,790,000 | 766,352,000 |
| Interest-bearing deposits | 591,479,000 | 582,508,000 | 605,509,000 | 626,098,000 |
| Noninterest-bearing deposits | 143,795,000 | 145,967,000 | 137,281,000 | 140,254,000 |
| Equity capital | 78,588,000 | 79,129,000 | 81,251,000 | 82,105,000 |
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 | 8,701,000 | 18,165,000 | 27,345,000 | 36,952,000 |
| Interest expense | 4,048,000 | 8,134,000 | 12,324,000 | 16,621,000 |
| Net interest income | 4,653,000 | 10,031,000 | 15,021,000 | 20,331,000 |
| Noninterest income | 1,377,000 | 2,738,000 | 4,257,000 | 5,792,000 |
| Noninterest expense | 6,031,000 | 11,943,000 | 17,995,000 | 24,391,000 |
| Provision for loan losses | 73,000 | 1,921,000 | 1,928,000 | 2,066,000 |
| Pretax income | 274,000 | -327,000 | 1,078,000 | 1,427,000 |
| Income tax | -9,000 | -272,000 | -8,000 | 29,000 |
| Net income | 283,000 | -55,000 | 1,086,000 | 1,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,264,000 | 80,977,000 | 82,736,000 | 83,282,000 |