Call reports 2025
WAHOO STATE BANK — 2025
What WAHOO 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 | 117,080,000 | 117,210,000 | 115,425,000 | 113,865,000 |
| Total loans | 85,473,000 | 86,878,000 | 88,118,000 | 87,248,000 |
| Allowance for loan losses | 823,000 | 822,000 | 825,000 | 830,000 |
| Securities available for sale | 9,101,000 | 8,870,000 | 8,484,000 | 8,074,000 |
| Securities held to maturity | 6,473,000 | 6,416,000 | 6,351,000 | 6,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,089,000 | 92,092,000 | 90,062,000 | 87,770,000 |
| Interest-bearing deposits | 78,527,000 | 79,809,000 | 79,358,000 | 75,610,000 |
| Noninterest-bearing deposits | 12,562,000 | 12,283,000 | 10,704,000 | 12,160,000 |
| Equity capital | 8,415,000 | 8,587,000 | 8,936,000 | 9,173,000 |
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 | 1,230,000 | 2,509,000 | 3,846,000 | 5,180,000 |
| Interest expense | 389,000 | 790,000 | 1,206,000 | 1,603,000 |
| Net interest income | 841,000 | 1,719,000 | 2,640,000 | 3,577,000 |
| Noninterest income | 116,000 | 219,000 | 326,000 | 442,000 |
| Noninterest expense | 759,000 | 1,537,000 | 2,350,000 | 3,167,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 8,000 |
| Pretax income | 198,000 | 401,000 | 614,000 | 844,000 |
| Income tax | 7,000 | 15,000 | 22,000 | 23,000 |
| Net income | 191,000 | 386,000 | 592,000 | 821,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,714,000 | 9,836,000 | 10,013,000 | 10,191,000 |
| Total capital | 10,537,000 | 10,658,000 | 10,838,000 | 11,021,000 |
| Risk-weighted assets | 79,030,000 | 80,070,000 | 81,334,000 | 79,992,000 |