Call reports 2025
FIRST STATE BANK OF BEECHER CITY — 2025
What FIRST STATE BANK OF BEECHER CITY 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 | 109,957,000 | 109,215,000 | 107,482,000 | 112,073,000 |
| Total loans | 79,098,000 | 80,697,000 | 82,282,000 | 83,718,000 |
| Allowance for loan losses | 1,312,000 | 1,398,000 | 1,483,000 | 1,484,000 |
| Securities available for sale | 14,665,000 | 18,408,000 | 18,611,000 | 17,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,715,000 | 92,595,000 | 90,265,000 | 94,268,000 |
| Interest-bearing deposits | 74,985,000 | 73,072,000 | 71,808,000 | 74,776,000 |
| Noninterest-bearing deposits | 18,730,000 | 19,523,000 | 18,457,000 | 19,492,000 |
| Equity capital | 15,739,000 | 16,165,000 | 16,776,000 | 17,273,000 |
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 | 1,690,000 | 3,412,000 | 5,203,000 | 6,994,000 |
| Interest expense | 529,000 | 1,055,000 | 1,575,000 | 2,101,000 |
| Net interest income | 1,161,000 | 2,357,000 | 3,628,000 | 4,893,000 |
| Noninterest income | 124,000 | 253,000 | 397,000 | 547,000 |
| Noninterest expense | 640,000 | 1,229,000 | 1,818,000 | 2,553,000 |
| Provision for loan losses | 0 | 100,000 | 200,000 | 325,000 |
| Pretax income | 645,000 | 1,281,000 | 2,007,000 | 2,562,000 |
| Income tax | 0 | 0 | 0 | 53,000 |
| Net income | 645,000 | 1,281,000 | 2,007,000 | 2,509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,763,000 | 16,198,000 | 16,797,000 | 17,299,000 |
| Total capital | 16,701,000 | 17,137,000 | 17,745,000 | 18,271,000 |
| Risk-weighted assets | 74,742,000 | 74,695,000 | 75,341,000 | 77,297,000 |