Call reports 2025
STONE BANK — 2025
What STONE 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 | 852,081,000 | 873,810,000 | 915,494,000 | 882,596,000 |
| Total loans | 667,090,000 | 683,620,000 | 726,817,000 | 690,930,000 |
| Allowance for loan losses | 9,594,000 | 9,783,000 | 10,065,000 | 10,338,000 |
| Securities available for sale | 91,947,000 | 92,820,000 | 92,681,000 | 95,286,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 260,000 | 115,000 | 80,000 | 51,000 |
| Total deposits | 656,687,000 | 690,601,000 | 696,437,000 | 704,207,000 |
| Interest-bearing deposits | 629,896,000 | 663,909,000 | 667,490,000 | 676,125,000 |
| Noninterest-bearing deposits | 26,791,000 | 26,692,000 | 28,947,000 | 28,082,000 |
| Equity capital | 65,595,000 | 66,224,000 | 69,925,000 | 70,904,000 |
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 | 11,741,000 | 23,722,000 | 37,284,000 | 50,789,000 |
| Interest expense | 6,673,000 | 13,607,000 | 20,780,000 | 28,006,000 |
| Net interest income | 5,068,000 | 10,115,000 | 16,504,000 | 22,783,000 |
| Noninterest income | 2,693,000 | 6,283,000 | 12,653,000 | 15,230,000 |
| Noninterest expense | 4,648,000 | 10,102,000 | 16,898,000 | 22,912,000 |
| Provision for loan losses | 281,000 | 561,000 | 1,262,000 | 1,683,000 |
| Pretax income | 2,832,000 | 5,735,000 | 10,997,000 | 13,418,000 |
| Income tax | 647,000 | 1,295,000 | 2,541,000 | 2,764,000 |
| Net income | 2,185,000 | 4,440,000 | 8,456,000 | 10,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,671,000 | 72,455,000 | 74,680,000 | 75,128,000 |
| Total capital | 79,960,000 | 81,221,000 | 83,864,000 | 84,008,000 |
| Risk-weighted assets | 661,432,000 | 699,858,000 | 733,457,000 | 708,500,000 |