Call reports 2025
OHIO STATE BANK — 2025
What OHIO STATE BANK 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 | 455,432,000 | 459,753,000 | 473,070,000 | 482,811,000 |
| Total loans | 400,742,000 | 407,792,000 | 418,204,000 | 431,370,000 |
| Allowance for loan losses | 4,399,000 | 4,407,000 | 4,571,000 | 4,739,000 |
| Securities available for sale | 9,742,000 | 9,497,000 | 9,264,000 | 9,017,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,054,000 | 382,893,000 | 406,492,000 | 411,341,000 |
| Interest-bearing deposits | 341,842,000 | 357,416,000 | 377,281,000 | 385,881,000 |
| Noninterest-bearing deposits | 26,212,000 | 25,477,000 | 29,211,000 | 25,460,000 |
| Equity capital | 48,770,000 | 49,603,000 | 50,483,000 | 51,536,000 |
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 | 5,654,000 | 11,522,000 | 17,661,000 | 23,984,000 |
| Interest expense | 3,721,000 | 7,405,000 | 11,130,000 | 14,712,000 |
| Net interest income | 1,933,000 | 4,117,000 | 6,531,000 | 9,272,000 |
| Noninterest income | -2,000 | 53,000 | 129,000 | 206,000 |
| Noninterest expense | 1,330,000 | 2,728,000 | 4,213,000 | 5,658,000 |
| Provision for loan losses | -23,000 | -15,000 | 149,000 | 317,000 |
| Pretax income | 662,000 | 1,516,000 | 2,370,000 | 3,466,000 |
| Income tax | 141,000 | 323,000 | 504,000 | 735,000 |
| Net income | 521,000 | 1,193,000 | 1,866,000 | 2,731,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,538,000 | 50,278,000 | 51,065,000 | 51,992,000 |