Call reports 2025
WOODFORD STATE BANK — 2025
What WOODFORD 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 | 470,189,000 | 481,392,000 | 490,950,000 | 509,049,000 |
| Total loans | 333,208,000 | 342,050,000 | 362,960,000 | 382,230,000 |
| Allowance for loan losses | 2,411,000 | 2,317,000 | 2,355,000 | 2,190,000 |
| Securities available for sale | 95,766,000 | 93,778,000 | 94,510,000 | 94,595,000 |
| Securities held to maturity | 2,200,000 | 2,200,000 | 2,200,000 | 2,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 366,875,000 | 377,079,000 | 381,139,000 | 390,422,000 |
| Interest-bearing deposits | 315,874,000 | 319,963,000 | 323,302,000 | 333,527,000 |
| Noninterest-bearing deposits | 51,001,000 | 57,116,000 | 57,837,000 | 56,895,000 |
| Equity capital | 21,924,000 | 25,036,000 | 27,314,000 | 33,177,000 |
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 | 6,008,000 | 12,308,000 | 18,959,000 | 25,906,000 |
| Interest expense | 2,186,000 | 4,381,000 | 6,641,000 | 8,899,000 |
| Net interest income | 3,822,000 | 7,927,000 | 12,318,000 | 17,007,000 |
| Noninterest income | 402,000 | 905,000 | 1,319,000 | 1,771,000 |
| Noninterest expense | 2,699,000 | 5,470,000 | 8,487,000 | 11,432,000 |
| Provision for loan losses | 90,000 | 300,000 | 300,000 | 500,000 |
| Pretax income | 1,459,000 | 3,086,000 | 4,772,000 | 6,774,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,459,000 | 3,086,000 | 4,772,000 | 6,774,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,515,000 | 36,937,000 | 37,620,000 | 42,568,000 |
| Total capital | 37,053,000 | 39,381,000 | 40,102,000 | 44,885,000 |
| Risk-weighted assets | 358,987,000 | 361,409,000 | 373,348,000 | 395,880,000 |