Call reports 2025
WHITE STATE BANK — 2025
What WHITE 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 | 99,599,000 | 98,910,000 | 98,056,000 | 105,289,000 |
| Total loans | 36,130,000 | 36,953,000 | 37,418,000 | 37,566,000 |
| Allowance for loan losses | 650,000 | 650,000 | 652,000 | 658,000 |
| Securities available for sale | 55,678,000 | 55,664,000 | 53,914,000 | 54,797,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,500,000 | 87,205,000 | 85,771,000 | 92,591,000 |
| Interest-bearing deposits | 69,232,000 | 68,847,000 | 66,457,000 | 70,492,000 |
| Noninterest-bearing deposits | 19,268,000 | 18,358,000 | 19,314,000 | 22,099,000 |
| Equity capital | 10,354,000 | 11,015,000 | 11,486,000 | 12,005,000 |
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 | 1,125,000 | 2,270,000 | 3,411,000 | 4,567,000 |
| Interest expense | 354,000 | 676,000 | 1,000,000 | 1,298,000 |
| Net interest income | 771,000 | 1,594,000 | 2,411,000 | 3,269,000 |
| Noninterest income | 42,000 | 75,000 | 112,000 | 148,000 |
| Noninterest expense | 400,000 | 791,000 | 1,198,000 | 1,551,000 |
| Provision for loan losses | 1,000 | -3,000 | -2,000 | 2,000 |
| Pretax income | 413,000 | 878,000 | 1,325,000 | 1,866,000 |
| Income tax | 113,000 | 223,000 | 329,000 | 459,000 |
| Net income | 300,000 | 655,000 | 996,000 | 1,407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,970,000 | 11,324,000 | 11,316,000 | 11,727,000 |