Call reports 2025
BATH STATE BANK — 2025
What BATH 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 | 323,263,000 | 324,042,000 | 331,982,000 | 337,321,000 |
| Total loans | 240,199,000 | 244,435,000 | 253,314,000 | 261,597,000 |
| Allowance for loan losses | 2,446,000 | 2,444,000 | 2,445,000 | 2,440,000 |
| Securities available for sale | 61,373,000 | 59,858,000 | 61,027,000 | 61,059,000 |
| Securities held to maturity | 6,000 | 6,000 | 5,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,901,000 | 274,534,000 | 276,934,000 | 275,196,000 |
| Interest-bearing deposits | 238,900,000 | 235,319,000 | 240,846,000 | 236,655,000 |
| Noninterest-bearing deposits | 38,001,000 | 39,215,000 | 36,088,000 | 38,541,000 |
| Equity capital | 14,283,000 | 14,529,000 | 16,780,000 | 17,861,000 |
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 | 4,134,000 | 8,314,000 | 12,766,000 | 17,238,000 |
| Interest expense | 2,047,000 | 4,018,000 | 6,057,000 | 8,086,000 |
| Net interest income | 2,087,000 | 4,296,000 | 6,709,000 | 9,152,000 |
| Noninterest income | 283,000 | 606,000 | 910,000 | 1,258,000 |
| Noninterest expense | 1,772,000 | 3,456,000 | 5,571,000 | 7,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 598,000 | 1,446,000 | 2,048,000 | 3,048,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 598,000 | 1,446,000 | 2,048,000 | 3,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,067,000 | 27,741,000 | 28,120,000 | 28,596,000 |
| Total capital | 29,613,000 | 30,285,000 | 30,665,000 | 31,161,000 |
| Risk-weighted assets | 244,313,000 | 250,611,000 | 255,333,000 | 261,832,000 |