Call reports 2025
FOUR STATES BANK — 2025
What FOUR STATES 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 | 61,835,000 | 72,530,000 | 80,713,000 | 95,334,000 |
| Total loans | 34,922,000 | 47,707,000 | 56,782,000 | 70,626,000 |
| Allowance for loan losses | 415,000 | 595,000 | 680,000 | 800,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,105,000 | 50,150,000 | 58,331,000 | 71,542,000 |
| Interest-bearing deposits | 34,498,000 | 44,444,000 | 52,625,000 | 62,545,000 |
| Noninterest-bearing deposits | 4,607,000 | 5,706,000 | 5,706,000 | 8,997,000 |
| Equity capital | 22,047,000 | 21,685,000 | 21,555,000 | 21,270,000 |
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 | 868,000 | 1,931,000 | 3,299,000 | 4,703,000 |
| Interest expense | 285,000 | 695,000 | 1,238,000 | 1,759,000 |
| Net interest income | 583,000 | 1,236,000 | 2,061,000 | 2,944,000 |
| Noninterest income | 273,000 | 364,000 | 508,000 | 542,000 |
| Noninterest expense | 895,000 | 1,826,000 | 2,779,000 | 3,884,000 |
| Provision for loan losses | 135,000 | 315,000 | 400,000 | 520,000 |
| Pretax income | -178,000 | -539,000 | -669,000 | -954,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -178,000 | -539,000 | -669,000 | -954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,047,000 | 21,685,000 | 21,555,000 | 21,270,000 |