Call reports 2025
FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE — 2025
What FIRST TRUST AND SAVINGS BANK OF WATSEKA, THE 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 | 313,814,000 | 315,406,000 | 315,968,000 | 321,275,000 |
| Total loans | 155,089,000 | 160,760,000 | 168,115,000 | 169,635,000 |
| Allowance for loan losses | 1,685,000 | 1,787,000 | 1,868,000 | 1,880,000 |
| Securities available for sale | 125,838,000 | 133,265,000 | 133,572,000 | 143,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,165,000 | 266,960,000 | 265,759,000 | 268,636,000 |
| Interest-bearing deposits | 234,578,000 | 240,283,000 | 239,080,000 | 241,234,000 |
| Noninterest-bearing deposits | 30,587,000 | 26,677,000 | 26,679,000 | 27,402,000 |
| Equity capital | 47,194,000 | 47,506,000 | 49,242,000 | 50,158,000 |
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 | 3,678,000 | 7,351,000 | 11,194,000 | 15,092,000 |
| Interest expense | 1,027,000 | 1,999,000 | 3,025,000 | 4,026,000 |
| Net interest income | 2,651,000 | 5,352,000 | 8,169,000 | 11,066,000 |
| Noninterest income | 275,000 | 575,000 | 879,000 | 1,254,000 |
| Noninterest expense | 1,241,000 | 2,499,000 | 3,813,000 | 5,269,000 |
| Provision for loan losses | -319,000 | -216,000 | -139,000 | -136,000 |
| Pretax income | 1,834,000 | 3,603,000 | 5,408,000 | 7,192,000 |
| Income tax | 425,000 | 814,000 | 1,212,000 | 1,615,000 |
| Net income | 1,409,000 | 2,789,000 | 4,196,000 | 5,577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,596,000 | 52,281,000 | 52,993,000 | 53,676,000 |