Call reports 2025
STATE BANK OF THE LAKES, NATIONAL ASSOCIATION — 2025
What STATE BANK OF THE LAKES, NATIONAL ASSOCIATION 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 | 2,151,549,000 | 2,329,713,000 | 2,391,006,000 | 2,503,451,000 |
| Total loans | 1,665,357,000 | 1,829,025,000 | 1,835,007,000 | 1,870,339,000 |
| Allowance for loan losses | 8,001,000 | 8,637,000 | 8,601,000 | 9,328,000 |
| Securities available for sale | 145,395,000 | 148,694,000 | 166,710,000 | 259,731,000 |
| Securities held to maturity | 157,389,000 | 155,663,000 | 153,811,000 | 150,170,000 |
| Trading assets | 1,566,000 | 1,461,000 | 1,198,000 | 1,121,000 |
| Total deposits | 1,778,303,000 | 1,973,084,000 | 2,023,365,000 | 2,075,758,000 |
| Interest-bearing deposits | 1,490,921,000 | 1,678,668,000 | 1,735,584,000 | 1,804,343,000 |
| Noninterest-bearing deposits | 287,382,000 | 294,416,000 | 287,781,000 | 271,415,000 |
| Equity capital | 255,742,000 | 259,503,000 | 270,565,000 | 279,569,000 |
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 | 27,947,000 | 58,044,000 | 90,164,000 | 122,276,000 |
| Interest expense | 11,368,000 | 23,294,000 | 36,839,000 | 49,991,000 |
| Net interest income | 16,579,000 | 34,750,000 | 53,325,000 | 72,285,000 |
| Noninterest income | 1,789,000 | 3,852,000 | 5,755,000 | 8,985,000 |
| Noninterest expense | 8,264,000 | 16,026,000 | 23,841,000 | 31,850,000 |
| Provision for loan losses | 317,000 | 987,000 | 1,150,000 | 2,370,000 |
| Pretax income | 9,805,000 | 21,365,000 | 33,706,000 | 45,413,000 |
| Income tax | 2,459,000 | 5,346,000 | 8,530,000 | 11,525,000 |
| Net income | 7,346,000 | 16,019,000 | 25,176,000 | 33,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 211,512,000 | 215,245,000 | 224,461,000 | 233,269,000 |
| Total capital | 221,587,000 | 226,197,000 | 235,550,000 | 246,346,000 |
| Risk-weighted assets | 1,843,422,000 | 1,993,343,000 | 1,991,639,000 | 2,049,065,000 |