Call reports 2025
WHEELER COUNTY STATE BANK — 2025
What WHEELER COUNTY STATE 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 | 181,881,000 | 166,441,000 | 163,448,000 | 170,005,000 |
| Total loans | 95,085,000 | 102,364,000 | 101,874,000 | 96,980,000 |
| Allowance for loan losses | 1,474,000 | 1,429,000 | 1,450,000 | 1,431,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,224,000 | 5,191,000 | 4,682,000 | 4,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,501,000 | 140,579,000 | 137,101,000 | 146,134,000 |
| Interest-bearing deposits | 113,304,000 | 101,375,000 | 102,206,000 | 103,660,000 |
| Noninterest-bearing deposits | 43,197,000 | 39,204,000 | 34,895,000 | 42,474,000 |
| Equity capital | 24,350,000 | 24,927,000 | 25,303,000 | 22,843,000 |
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 | 2,710,000 | 5,409,000 | 8,043,000 | 10,541,000 |
| Interest expense | 672,000 | 1,243,000 | 1,758,000 | 2,276,000 |
| Net interest income | 2,038,000 | 4,166,000 | 6,285,000 | 8,265,000 |
| Noninterest income | 66,000 | 138,000 | 216,000 | 299,000 |
| Noninterest expense | 1,018,000 | 1,978,000 | 3,748,000 | 6,777,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 1,086,000 | 2,326,000 | 2,703,000 | 1,737,000 |
| Income tax | 5,000 | 5,000 | 5,000 | 5,000 |
| Net income | 1,081,000 | 2,321,000 | 2,698,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,350,000 | 24,923,000 | 25,350,000 | 22,889,000 |