Call reports 2025
SOUND BANKING COMPANY — 2025
What SOUND BANKING COMPANY 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 | 52,007,000 | 51,422,000 | 51,845,000 | 45,595,000 |
| Total loans | 38,269,000 | 39,621,000 | 39,940,000 | 39,686,000 |
| Allowance for loan losses | 634,000 | 634,000 | 634,000 | 634,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,236,000 | 45,884,000 | 45,932,000 | 39,940,000 |
| Interest-bearing deposits | 34,667,000 | 28,942,000 | 30,558,000 | 25,969,000 |
| Noninterest-bearing deposits | 11,569,000 | 16,942,000 | 15,374,000 | 13,971,000 |
| Equity capital | 5,676,000 | 5,403,000 | 5,720,000 | 5,555,000 |
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 | 799,000 | 1,706,000 | 2,539,000 | 3,390,000 |
| Interest expense | 181,000 | 321,000 | 470,000 | 625,000 |
| Net interest income | 618,000 | 1,385,000 | 2,069,000 | 2,765,000 |
| Noninterest income | 48,000 | 97,000 | 158,000 | 245,000 |
| Noninterest expense | 428,000 | 856,000 | 1,284,000 | 2,074,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 238,000 | 626,000 | 943,000 | 936,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 626,000 | 943,000 | 936,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,676,000 | 5,403,000 | 5,720,000 | 5,555,000 |
| Total capital | 6,157,000 | 5,894,000 | 6,228,000 | 6,048,000 |
| Risk-weighted assets | 38,386,000 | 39,140,000 | 40,573,000 | 39,317,000 |