Call reports 2025
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2025
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 343,821,000 | 340,316,000 | 339,686,000 | 355,807,000 |
| Total loans | 184,203,000 | 190,528,000 | 197,203,000 | 193,396,000 |
| Allowance for loan losses | 2,410,000 | 2,432,000 | 2,573,000 | 2,682,000 |
| Securities available for sale | 88,497,000 | 78,858,000 | 78,396,000 | 76,073,000 |
| Securities held to maturity | 5,250,000 | 5,250,000 | 5,250,000 | 5,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,792,000 | 289,438,000 | 286,117,000 | 304,409,000 |
| Interest-bearing deposits | 188,977,000 | 186,778,000 | 184,352,000 | 194,643,000 |
| Noninterest-bearing deposits | 105,815,000 | 102,660,000 | 101,765,000 | 109,766,000 |
| Equity capital | 39,360,000 | 41,522,000 | 44,176,000 | 45,157,000 |
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 | 5,471,000 | 10,814,000 | 16,334,000 | 21,628,000 |
| Interest expense | 953,000 | 1,907,000 | 2,860,000 | 3,831,000 |
| Net interest income | 4,518,000 | 8,907,000 | 13,474,000 | 17,797,000 |
| Noninterest income | 267,000 | 525,000 | 930,000 | 1,241,000 |
| Noninterest expense | 2,014,000 | 3,919,000 | 5,955,000 | 8,202,000 |
| Provision for loan losses | 200,000 | 310,000 | 496,000 | 672,000 |
| Pretax income | 2,571,000 | 5,365,000 | 8,090,000 | 10,301,000 |
| Income tax | 597,000 | 1,339,000 | 2,052,000 | 2,493,000 |
| Net income | 1,974,000 | 4,026,000 | 6,038,000 | 7,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,798,000 | 43,719,000 | 45,599,000 | 46,341,000 |
| Total capital | 44,424,000 | 46,207,000 | 48,119,000 | 48,871,000 |
| Risk-weighted assets | 210,005,000 | 198,773,000 | 201,191,000 | 201,919,000 |