Call reports 2025
BANK OF CALHOUN COUNTY — 2025
What BANK OF CALHOUN COUNTY 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 | 97,318,000 | 95,670,000 | 97,799,000 | 96,781,000 |
| Total loans | 47,225,000 | 47,426,000 | 48,139,000 | 51,800,000 |
| Allowance for loan losses | 286,000 | 286,000 | 281,000 | 281,000 |
| Securities available for sale | 12,623,000 | 13,942,000 | 14,019,000 | 13,855,000 |
| Securities held to maturity | 3,000 | 2,000 | 6,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,084,000 | 86,179,000 | 88,218,000 | 87,074,000 |
| Interest-bearing deposits | 65,886,000 | 65,729,000 | 66,962,000 | 65,729,000 |
| Noninterest-bearing deposits | 22,198,000 | 20,450,000 | 21,256,000 | 21,345,000 |
| Equity capital | 8,732,000 | 8,941,000 | 9,088,000 | 9,233,000 |
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 | 1,015,000 | 2,110,000 | 3,156,000 | 4,310,000 |
| Interest expense | 307,000 | 625,000 | 935,000 | 1,241,000 |
| Net interest income | 708,000 | 1,485,000 | 2,221,000 | 3,069,000 |
| Noninterest income | 55,000 | 110,000 | 167,000 | 225,000 |
| Noninterest expense | 466,000 | 950,000 | 1,447,000 | 2,063,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 297,000 | 645,000 | 941,000 | 1,231,000 |
| Income tax | 84,000 | 153,000 | 236,000 | 275,000 |
| Net income | 213,000 | 492,000 | 705,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,743,000 | 8,952,000 | 9,045,000 | 9,172,000 |
| Total capital | 9,029,000 | 9,238,000 | 9,326,000 | 9,453,000 |
| Risk-weighted assets | 39,044,000 | 46,586,000 | 47,910,000 | 49,893,000 |