Call reports 2025
FIRST STATE BANK SHANNON-POLO — 2025
What FIRST STATE BANK SHANNON-POLO 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 | 192,589,000 | 188,385,000 | 190,760,000 | 195,225,000 |
| Total loans | 100,058,000 | 100,109,000 | 105,039,000 | 109,541,000 |
| Allowance for loan losses | 1,369,000 | 1,356,000 | 1,354,000 | 1,345,000 |
| Securities available for sale | 59,649,000 | 59,071,000 | 61,167,000 | 61,460,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,271,000 | 168,460,000 | 169,290,000 | 173,136,000 |
| Interest-bearing deposits | 147,553,000 | 144,999,000 | 145,081,000 | 146,708,000 |
| Noninterest-bearing deposits | 24,718,000 | 23,461,000 | 24,209,000 | 26,428,000 |
| Equity capital | 13,011,000 | 13,121,000 | 15,205,000 | 15,773,000 |
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 | 1,990,000 | 3,994,000 | 6,023,000 | 8,115,000 |
| Interest expense | 728,000 | 1,405,000 | 2,073,000 | 2,745,000 |
| Net interest income | 1,262,000 | 2,589,000 | 3,950,000 | 5,370,000 |
| Noninterest income | 440,000 | 965,000 | 1,472,000 | 2,003,000 |
| Noninterest expense | 1,275,000 | 2,572,000 | 3,880,000 | 5,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 427,000 | 982,000 | 1,557,000 | 2,139,000 |
| Income tax | 20,000 | 40,000 | 76,000 | 116,000 |
| Net income | 407,000 | 942,000 | 1,481,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,574,000 | 18,802,000 | 19,148,000 | 19,194,000 |
| Total capital | 19,943,000 | 20,158,000 | 20,502,000 | 20,539,000 |
| Risk-weighted assets | 134,166,000 | 136,702,000 | 138,523,000 | 142,414,000 |