Call reports 2025
STATE BANK OF FARIBAULT, THE — 2025
What STATE BANK OF FARIBAULT, THE 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 | 312,161,000 | 313,329,000 | 321,971,000 | 316,165,000 |
| Total loans | 171,156,000 | 177,818,000 | 175,453,000 | 177,826,000 |
| Allowance for loan losses | 3,400,000 | 3,365,000 | 3,258,000 | 3,261,000 |
| Securities available for sale | 72,184,000 | 72,577,000 | 74,169,000 | 72,794,000 |
| Securities held to maturity | 36,729,000 | 36,777,000 | 36,754,000 | 36,753,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,922,000 | 290,350,000 | 296,870,000 | 285,129,000 |
| Interest-bearing deposits | 215,047,000 | 210,130,000 | 223,252,000 | 204,008,000 |
| Noninterest-bearing deposits | 75,875,000 | 80,220,000 | 73,618,000 | 81,121,000 |
| Equity capital | 17,400,000 | 18,968,000 | 20,698,000 | 21,956,000 |
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 | 3,757,000 | 7,620,000 | 11,660,000 | 15,750,000 |
| Interest expense | 1,189,000 | 2,401,000 | 3,641,000 | 4,825,000 |
| Net interest income | 2,568,000 | 5,219,000 | 8,019,000 | 10,925,000 |
| Noninterest income | 504,000 | 1,068,000 | 1,729,000 | 2,338,000 |
| Noninterest expense | 2,421,000 | 4,970,000 | 7,505,000 | 10,755,000 |
| Provision for loan losses | 10,000 | 11,000 | -92,000 | -87,000 |
| Pretax income | 641,000 | 1,306,000 | 2,223,000 | 2,465,000 |
| Income tax | 91,000 | 166,000 | 241,000 | 190,000 |
| Net income | 550,000 | 1,140,000 | 1,982,000 | 2,275,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,514,000 | 27,874,000 | 28,537,000 | 28,830,000 |
| Total capital | 30,337,000 | 30,824,000 | 31,384,000 | 31,727,000 |
| Risk-weighted assets | 225,291,000 | 235,629,000 | 227,254,000 | 231,321,000 |