Call reports 2025
STOCK EXCHANGE BANK, THE — 2025
What STOCK EXCHANGE BANK, 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 | 309,049,000 | 305,585,000 | 295,939,000 | 290,386,000 |
| Total loans | 133,395,000 | 138,112,000 | 145,292,000 | 147,966,000 |
| Allowance for loan losses | 2,600,000 | 2,384,000 | 2,685,000 | 2,995,000 |
| Securities available for sale | 113,762,000 | 112,085,000 | 104,326,000 | 95,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,404,000 | 251,991,000 | 240,432,000 | 234,055,000 |
| Interest-bearing deposits | 203,149,000 | 200,043,000 | 190,576,000 | 181,951,000 |
| Noninterest-bearing deposits | 53,255,000 | 51,948,000 | 49,856,000 | 52,104,000 |
| Equity capital | 49,694,000 | 50,774,000 | 52,588,000 | 52,434,000 |
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 | 3,590,000 | 7,160,000 | 10,780,000 | 14,326,000 |
| Interest expense | 1,113,000 | 2,178,000 | 3,136,000 | 4,022,000 |
| Net interest income | 2,477,000 | 4,982,000 | 7,644,000 | 10,304,000 |
| Noninterest income | 564,000 | 1,003,000 | 1,442,000 | 1,881,000 |
| Noninterest expense | 1,690,000 | 3,288,000 | 4,912,000 | 6,782,000 |
| Provision for loan losses | 0 | 300,000 | 700,000 | 1,150,000 |
| Pretax income | 1,351,000 | 2,397,000 | 3,474,000 | 4,253,000 |
| Income tax | 300,000 | 625,000 | 850,000 | 866,000 |
| Net income | 1,051,000 | 1,772,000 | 2,624,000 | 3,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,089,000 | 53,810,000 | 54,662,000 | 54,225,000 |