Call reports 2025
WATERFALL BANK — 2025
What WATERFALL 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 | 314,876,000 | 350,056,000 | 387,233,000 | 408,892,000 |
| Total loans | 262,148,000 | 289,855,000 | 331,175,000 | 354,318,000 |
| Allowance for loan losses | 2,154,000 | 2,334,000 | 2,814,000 | 3,057,000 |
| Securities available for sale | 10,288,000 | 10,178,000 | 10,130,000 | 10,007,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,198,000 | 305,778,000 | 316,445,000 | 303,177,000 |
| Interest-bearing deposits | 245,396,000 | 275,834,000 | 286,680,000 | 268,966,000 |
| Noninterest-bearing deposits | 25,802,000 | 29,944,000 | 29,765,000 | 34,211,000 |
| Equity capital | 41,843,000 | 42,269,000 | 52,583,000 | 52,919,000 |
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 | 4,655,000 | 9,783,000 | 15,431,000 | 21,421,000 |
| Interest expense | 2,454,000 | 4,951,000 | 7,743,000 | 10,500,000 |
| Net interest income | 2,201,000 | 4,832,000 | 7,688,000 | 10,921,000 |
| Noninterest income | 48,000 | 107,000 | 174,000 | 247,000 |
| Noninterest expense | 1,990,000 | 4,074,000 | 6,291,000 | 9,025,000 |
| Provision for loan losses | 369,000 | 548,000 | 1,031,000 | 1,274,000 |
| Pretax income | -112,000 | 315,000 | 528,000 | 857,000 |
| Income tax | -25,000 | 85,000 | 142,000 | 225,000 |
| Net income | -87,000 | 230,000 | 386,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,980,000 | 42,411,000 | 52,640,000 | 52,941,000 |
| Total capital | 44,160,000 | 44,770,000 | 55,490,000 | 56,035,000 |
| Risk-weighted assets | 279,298,000 | 313,204,000 | 347,756,000 | 384,754,000 |