Call reports 2025
CHILLICOTHE STATE BANK — 2025
What CHILLICOTHE 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 | 137,369,000 | 133,821,000 | 134,554,000 | 136,565,000 |
| Total loans | 68,860,000 | 73,187,000 | 73,467,000 | 72,378,000 |
| Allowance for loan losses | 1,071,000 | 1,032,000 | 1,039,000 | 1,175,000 |
| Securities available for sale | 50,096,000 | 48,602,000 | 47,618,000 | 47,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,868,000 | 121,294,000 | 122,634,000 | 124,769,000 |
| Interest-bearing deposits | 89,904,000 | 86,242,000 | 86,777,000 | 85,490,000 |
| Noninterest-bearing deposits | 35,964,000 | 35,052,000 | 35,857,000 | 39,279,000 |
| Equity capital | 10,532,000 | 11,508,000 | 10,990,000 | 11,055,000 |
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 | 1,440,000 | 2,941,000 | 4,466,000 | 6,041,000 |
| Interest expense | 244,000 | 494,000 | 766,000 | 1,040,000 |
| Net interest income | 1,196,000 | 2,447,000 | 3,700,000 | 5,001,000 |
| Noninterest income | 130,000 | 567,000 | 689,000 | 818,000 |
| Noninterest expense | 820,000 | 1,707,000 | 2,542,000 | 3,573,000 |
| Provision for loan losses | 9,000 | -3,000 | 3,000 | 145,000 |
| Pretax income | 506,000 | 1,307,000 | 1,847,000 | 2,096,000 |
| Income tax | 111,000 | 292,000 | 417,000 | 470,000 |
| Net income | 395,000 | 1,015,000 | 1,430,000 | 1,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,011,000 | 12,630,000 | 11,797,000 | 11,634,000 |
| Total capital | 12,755,000 | 13,417,000 | 12,575,000 | 12,388,000 |
| Risk-weighted assets | 59,140,000 | 62,686,000 | 61,967,000 | 59,820,000 |