Call reports 2025
BIPPUS STATE BANK, THE — 2025
What BIPPUS STATE 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 | 392,435,000 | 406,267,000 | 413,321,000 | 428,110,000 |
| Total loans | 319,169,000 | 330,141,000 | 340,840,000 | 351,951,000 |
| Allowance for loan losses | 3,580,000 | 3,569,000 | 3,519,000 | 3,590,000 |
| Securities available for sale | 39,206,000 | 37,684,000 | 38,059,000 | 38,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,636,000 | 333,138,000 | 342,589,000 | 341,001,000 |
| Interest-bearing deposits | 290,232,000 | 297,748,000 | 306,012,000 | 306,352,000 |
| Noninterest-bearing deposits | 36,404,000 | 35,390,000 | 36,577,000 | 34,649,000 |
| Equity capital | 43,132,000 | 45,254,000 | 47,599,000 | 49,126,000 |
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 | 5,505,000 | 11,335,000 | 17,495,000 | 23,740,000 |
| Interest expense | 1,430,000 | 3,013,000 | 4,696,000 | 6,402,000 |
| Net interest income | 4,075,000 | 8,322,000 | 12,799,000 | 17,338,000 |
| Noninterest income | 660,000 | 1,532,000 | 2,395,000 | 3,130,000 |
| Noninterest expense | 2,541,000 | 5,017,000 | 7,800,000 | 11,033,000 |
| Provision for loan losses | 6,000 | 18,000 | 138,000 | 210,000 |
| Pretax income | 2,253,000 | 4,895,000 | 7,303,000 | 9,321,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,253,000 | 4,895,000 | 7,303,000 | 9,321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,535,000 | 51,598,000 | 53,007,000 | 53,975,000 |
| Total capital | 53,316,000 | 55,366,000 | 56,736,000 | 57,730,000 |
| Risk-weighted assets | 328,807,000 | 329,637,000 | 337,523,000 | 344,639,000 |