Call reports 2025
STATE EXCHANGE BANK, THE — 2025
What STATE EXCHANGE 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 | 46,101,000 | 43,640,000 | 42,502,000 | 55,776,000 |
| Total loans | 14,873,000 | 16,033,000 | 16,844,000 | 17,406,000 |
| Allowance for loan losses | 222,000 | 228,000 | 249,000 | 245,000 |
| Securities available for sale | 23,160,000 | 20,597,000 | 22,807,000 | 22,823,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,574,000 | 40,115,000 | 38,387,000 | 51,378,000 |
| Interest-bearing deposits | 28,253,000 | 28,757,000 | 27,457,000 | 28,426,000 |
| Noninterest-bearing deposits | 14,321,000 | 11,358,000 | 10,930,000 | 22,952,000 |
| Equity capital | 3,255,000 | 3,247,000 | 3,893,000 | 4,121,000 |
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 | 493,000 | 967,000 | 1,452,000 | 1,962,000 |
| Interest expense | 155,000 | 301,000 | 441,000 | 576,000 |
| Net interest income | 338,000 | 666,000 | 1,011,000 | 1,386,000 |
| Noninterest income | 14,000 | 33,000 | 49,000 | 63,000 |
| Noninterest expense | 245,000 | 493,000 | 695,000 | 1,054,000 |
| Provision for loan losses | 0 | 0 | 28,000 | 20,000 |
| Pretax income | 107,000 | 210,000 | 342,000 | 352,000 |
| Income tax | 4,000 | 9,000 | 15,000 | 15,000 |
| Net income | 103,000 | 201,000 | 327,000 | 337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,504,000 | 5,603,000 | 5,628,000 | 5,638,000 |