Call reports 2025
STATE SAVINGS BANK — 2025
What STATE SAVINGS 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 | 196,503,000 | 190,025,000 | 190,854,000 | 196,340,000 |
| Total loans | 169,065,000 | 173,159,000 | 171,393,000 | 181,082,000 |
| Allowance for loan losses | 1,187,000 | 1,338,000 | 1,491,000 | 1,416,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,966,000 | 1,986,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,458,000 | 165,042,000 | 165,556,000 | 169,750,000 |
| Interest-bearing deposits | 137,040,000 | 135,736,000 | 131,674,000 | 134,132,000 |
| Noninterest-bearing deposits | 34,418,000 | 29,306,000 | 33,882,000 | 35,618,000 |
| Equity capital | 22,687,000 | 22,261,000 | 22,980,000 | 22,589,000 |
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 | 2,809,000 | 5,755,000 | 8,674,000 | 11,617,000 |
| Interest expense | 1,138,000 | 2,257,000 | 3,294,000 | 4,264,000 |
| Net interest income | 1,671,000 | 3,498,000 | 5,380,000 | 7,353,000 |
| Noninterest income | 120,000 | 234,000 | 332,000 | 496,000 |
| Noninterest expense | 978,000 | 2,070,000 | 3,151,000 | 4,344,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 663,000 | 1,362,000 | 2,111,000 | 2,905,000 |
| Income tax | 9,000 | 39,000 | 69,000 | 99,000 |
| Net income | 654,000 | 1,323,000 | 2,042,000 | 2,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,952,000 | 18,751,000 | 19,695,000 | 19,529,000 |