Call reports 2025
WELCOME STATE BANK — 2025
What WELCOME 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 | 43,370,000 | 42,830,000 | 43,818,000 | 44,240,000 |
| Total loans | 28,865,000 | 30,076,000 | 30,155,000 | 29,173,000 |
| Allowance for loan losses | 472,000 | 448,000 | 446,000 | 467,000 |
| Securities available for sale | 4,723,000 | 4,611,000 | 4,637,000 | 4,662,000 |
| Securities held to maturity | 94,000 | 94,000 | 72,000 | 272,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,263,000 | 36,467,000 | 38,338,000 | 38,190,000 |
| Interest-bearing deposits | 23,924,000 | 24,348,000 | 24,921,000 | 25,745,000 |
| Noninterest-bearing deposits | 14,339,000 | 12,119,000 | 13,417,000 | 12,445,000 |
| Equity capital | 4,954,000 | 5,124,000 | 5,328,000 | 5,491,000 |
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 | 591,000 | 1,232,000 | 1,874,000 | 2,532,000 |
| Interest expense | 125,000 | 264,000 | 413,000 | 549,000 |
| Net interest income | 466,000 | 968,000 | 1,461,000 | 1,983,000 |
| Noninterest income | 70,000 | 135,000 | 198,000 | 261,000 |
| Noninterest expense | 253,000 | 489,000 | 760,000 | 1,151,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 283,000 | 614,000 | 899,000 | 1,093,000 |
| Income tax | 21,000 | 41,000 | 62,000 | 102,000 |
| Net income | 262,000 | 573,000 | 837,000 | 991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,980,000 | 5,122,000 | 5,316,000 | 5,470,000 |
| Total capital | 5,322,000 | 5,478,000 | 5,677,000 | — |
| Risk-weighted assets | 27,256,000 | 28,422,000 | 28,794,000 | — |