Call reports 2025
WOODSBORO BANK — 2025
What WOODSBORO 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 | 443,417,000 | 458,505,000 | 458,379,000 | 455,586,000 |
| Total loans | 317,422,000 | 321,643,000 | 324,840,000 | 329,002,000 |
| Allowance for loan losses | 3,593,000 | 3,624,000 | 3,620,000 | 3,870,000 |
| Securities available for sale | 90,029,000 | 82,869,000 | 91,357,000 | 90,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,587,000 | 424,941,000 | 425,553,000 | 417,906,000 |
| Interest-bearing deposits | 265,289,000 | 275,859,000 | 279,923,000 | 270,077,000 |
| Noninterest-bearing deposits | 148,298,000 | 149,082,000 | 145,630,000 | 147,829,000 |
| Equity capital | 26,112,000 | 27,510,000 | 29,816,000 | 31,946,000 |
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 | 5,068,000 | 10,357,000 | 15,873,000 | 21,486,000 |
| Interest expense | 928,000 | 1,950,000 | 3,047,000 | 4,053,000 |
| Net interest income | 4,140,000 | 8,407,000 | 12,826,000 | 17,433,000 |
| Noninterest income | 455,000 | 931,000 | 1,413,000 | 1,988,000 |
| Noninterest expense | 3,097,000 | 6,305,000 | 9,405,000 | 12,360,000 |
| Provision for loan losses | 50,000 | 90,000 | 90,000 | 340,000 |
| Pretax income | 1,448,000 | 2,686,000 | 4,292,000 | 5,872,000 |
| Income tax | 367,000 | 682,000 | 1,088,000 | 1,478,000 |
| Net income | 1,081,000 | 2,004,000 | 3,204,000 | 4,394,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,206,000 | 38,086,000 | 39,241,000 | 40,349,000 |
| Total capital | 41,174,000 | 42,078,000 | 43,246,000 | 44,392,000 |
| Risk-weighted assets | 317,391,000 | 319,250,000 | 320,257,000 | 323,091,000 |