Call reports 2025
STATE BANK OF DE KALB — 2025
What STATE BANK OF DE KALB 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 | 461,558,000 | 472,362,000 | 485,362,000 | 491,391,000 |
| Total loans | 359,813,000 | 365,812,000 | 371,505,000 | 371,585,000 |
| Allowance for loan losses | 5,187,000 | 5,432,000 | 5,567,000 | 5,338,000 |
| Securities available for sale | 8,350,000 | 8,391,000 | 3,150,000 | 3,170,000 |
| Securities held to maturity | 5,858,000 | 5,856,000 | 5,854,000 | 851,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 405,800,000 | 414,816,000 | 425,841,000 | 430,642,000 |
| Interest-bearing deposits | 306,752,000 | 314,752,000 | 315,227,000 | 315,902,000 |
| Noninterest-bearing deposits | 99,048,000 | 100,064,000 | 110,614,000 | 114,740,000 |
| Equity capital | 53,775,000 | 55,323,000 | 56,858,000 | 58,629,000 |
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 | 7,084,000 | 14,453,000 | 22,037,000 | 29,819,000 |
| Interest expense | 1,767,000 | 3,601,000 | 5,532,000 | 7,378,000 |
| Net interest income | 5,317,000 | 10,852,000 | 16,505,000 | 22,441,000 |
| Noninterest income | 851,000 | 1,793,000 | 2,802,000 | 4,002,000 |
| Noninterest expense | 3,427,000 | 6,940,000 | 10,620,000 | 14,550,000 |
| Provision for loan losses | 314,000 | 533,000 | 675,000 | 658,000 |
| Pretax income | 2,531,000 | 5,285,000 | 8,057,000 | 11,053,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,531,000 | 5,285,000 | 8,057,000 | 11,053,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,378,000 | 54,904,000 | 56,446,000 | 58,212,000 |