Call reports 2025
22ND STATE BANKING COMPANY — 2025
What 22ND STATE BANKING COMPANY 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 | 328,059,000 | 262,686,000 | 280,111,000 | 272,805,000 |
| Total loans | 251,267,000 | 203,277,000 | 209,309,000 | 215,684,000 |
| Allowance for loan losses | 4,230,000 | 4,246,000 | 4,204,000 | 5,680,000 |
| Securities available for sale | 17,236,000 | 16,802,000 | 18,998,000 | 23,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,189,000 | 219,834,000 | 231,810,000 | 223,418,000 |
| Interest-bearing deposits | 213,338,000 | 163,449,000 | 172,686,000 | 163,611,000 |
| Noninterest-bearing deposits | 75,851,000 | 56,385,000 | 59,124,000 | 59,807,000 |
| Equity capital | 31,207,000 | 35,865,000 | 37,268,000 | 35,939,000 |
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 | 7,204,000 | 13,319,000 | 19,664,000 | 25,925,000 |
| Interest expense | 2,005,000 | 3,519,000 | 4,967,000 | 6,468,000 |
| Net interest income | 5,199,000 | 9,800,000 | 14,697,000 | 19,457,000 |
| Noninterest income | 1,788,000 | 6,731,000 | 7,783,000 | 9,796,000 |
| Noninterest expense | 5,166,000 | 9,683,000 | 14,613,000 | 20,198,000 |
| Provision for loan losses | 601,000 | 659,000 | 851,000 | 3,429,000 |
| Pretax income | 1,220,000 | 6,189,000 | 7,016,000 | 5,626,000 |
| Income tax | 74,000 | 390,000 | 432,000 | 338,000 |
| Net income | 1,146,000 | 5,799,000 | 6,584,000 | 5,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,487,000 | 35,230,000 | 36,072,000 | 34,795,000 |
| Total capital | 33,967,000 | 38,219,000 | 39,194,000 | 37,915,000 |
| Risk-weighted assets | 277,674,000 | 237,937,000 | 248,728,000 | 247,088,000 |