Call reports 2025
FIRST STATE BANK OF RANDOLPH COUNTY — 2025
What FIRST STATE BANK OF RANDOLPH COUNTY 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 | 88,124,000 | 85,976,000 | 83,992,000 | 85,722,000 |
| Total loans | 31,644,000 | 29,539,000 | 30,086,000 | 28,455,000 |
| Allowance for loan losses | 308,000 | 313,000 | 318,000 | 323,000 |
| Securities available for sale | 40,427,000 | 39,635,000 | 40,236,000 | 39,401,000 |
| Securities held to maturity | 399,000 | 396,000 | 393,000 | 390,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,381,000 | 85,449,000 | 82,176,000 | 83,787,000 |
| Interest-bearing deposits | 61,166,000 | 60,936,000 | 59,383,000 | 58,000,000 |
| Noninterest-bearing deposits | 26,215,000 | 24,513,000 | 22,793,000 | 25,787,000 |
| Equity capital | 287,000 | 114,000 | 1,282,000 | 1,455,000 |
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 | 956,000 | 1,850,000 | 2,762,000 | 3,640,000 |
| Interest expense | 394,000 | 784,000 | 1,182,000 | 1,565,000 |
| Net interest income | 562,000 | 1,066,000 | 1,580,000 | 2,075,000 |
| Noninterest income | 60,000 | 125,000 | 185,000 | 237,000 |
| Noninterest expense | 594,000 | 1,213,000 | 1,900,000 | 2,495,000 |
| Provision for loan losses | 3,000 | 7,000 | 12,000 | 16,000 |
| Pretax income | 25,000 | -29,000 | -147,000 | -199,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 25,000 | -29,000 | -147,000 | -199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,126,000 | 8,073,000 | 7,954,000 | 7,902,000 |
| Total capital | 8,434,000 | 8,385,000 | 8,272,000 | 8,224,000 |
| Risk-weighted assets | 52,037,000 | 50,841,000 | 49,915,000 | 49,498,000 |
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