Call reports 2025
FIRST STATE BANK OF OLMSTED — 2025
What FIRST STATE BANK OF OLMSTED 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 | 74,968,000 | 77,777,000 | 77,782,000 | 77,527,000 |
| Total loans | 42,711,000 | 46,753,000 | 47,834,000 | 48,461,000 |
| Allowance for loan losses | 459,000 | 462,000 | 465,000 | 468,000 |
| Securities available for sale | 23,809,000 | 23,325,000 | 22,596,000 | 20,869,000 |
| Securities held to maturity | 101,000 | 101,000 | 101,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,345,000 | 68,739,000 | 68,273,000 | 67,847,000 |
| Interest-bearing deposits | 53,239,000 | 54,939,000 | 55,108,000 | 55,091,000 |
| Noninterest-bearing deposits | 13,106,000 | 13,800,000 | 13,165,000 | 12,756,000 |
| Equity capital | 8,485,000 | 8,827,000 | 9,220,000 | 9,330,000 |
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 | 855,000 | 1,774,000 | 2,744,000 | 3,708,000 |
| Interest expense | 264,000 | 530,000 | 819,000 | 1,095,000 |
| Net interest income | 591,000 | 1,244,000 | 1,925,000 | 2,613,000 |
| Noninterest income | 54,000 | 105,000 | 169,000 | 221,000 |
| Noninterest expense | 409,000 | 829,000 | 1,240,000 | 1,715,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 233,000 | 514,000 | 845,000 | 1,107,000 |
| Income tax | 46,000 | 109,000 | 182,000 | 243,000 |
| Net income | 187,000 | 405,000 | 663,000 | 864,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,630,000 | 8,896,000 | 9,207,000 | 9,253,000 |
| Total capital | 9,089,000 | — | — | — |
| Risk-weighted assets | 41,869,000 | — | — | — |