Call reports 2025
WATKINS SAVINGS BANK, THE — 2025
What WATKINS SAVINGS BANK, THE 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 | 82,174,000 | 82,148,000 | 81,270,000 | 83,202,000 |
| Total loans | 34,259,000 | 33,018,000 | 32,976,000 | 33,587,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 170,000 |
| Securities available for sale | 41,982,000 | 37,100,000 | 37,853,000 | 34,923,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,532,000 | 71,302,000 | 69,724,000 | 71,773,000 |
| Interest-bearing deposits | 59,367,000 | 60,548,000 | 60,237,000 | 61,290,000 |
| Noninterest-bearing deposits | 12,165,000 | 10,754,000 | 9,487,000 | 10,483,000 |
| Equity capital | 10,331,000 | 10,527,000 | 11,207,000 | 11,102,000 |
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 | 701,000 | 1,400,000 | 2,112,000 | 2,825,000 |
| Interest expense | 351,000 | 708,000 | 1,067,000 | 1,429,000 |
| Net interest income | 350,000 | 692,000 | 1,045,000 | 1,396,000 |
| Noninterest income | 7,000 | 12,000 | 17,000 | 21,000 |
| Noninterest expense | 281,000 | 566,000 | 842,000 | 1,105,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 76,000 | 138,000 | 220,000 | 312,000 |
| Income tax | 4,000 | 7,000 | 10,000 | 32,000 |
| Net income | 72,000 | 131,000 | 210,000 | 280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,185,000 | 13,243,000 | 13,323,000 | 13,132,000 |