Call reports 2025
WHITESVILLE STATE BANK — 2025
What WHITESVILLE 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 | 134,164,000 | 133,949,000 | 138,230,000 | 138,023,000 |
| Total loans | 69,324,000 | 69,755,000 | 73,415,000 | 74,526,000 |
| Allowance for loan losses | 770,000 | 750,000 | 688,000 | 750,000 |
| Securities available for sale | 47,160,000 | 45,441,000 | 48,992,000 | 48,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,080,000 | 124,493,000 | 127,612,000 | 125,148,000 |
| Interest-bearing deposits | 93,261,000 | 92,546,000 | 95,050,000 | 93,545,000 |
| Noninterest-bearing deposits | 31,819,000 | 31,947,000 | 32,562,000 | 31,603,000 |
| Equity capital | 8,340,000 | 8,332,000 | 9,202,000 | 9,533,000 |
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 | 1,688,000 | 3,425,000 | 5,159,000 | 6,964,000 |
| Interest expense | 614,000 | 1,173,000 | 1,724,000 | 2,283,000 |
| Net interest income | 1,074,000 | 2,252,000 | 3,435,000 | 4,681,000 |
| Noninterest income | 708,000 | 1,050,000 | 1,461,000 | 1,834,000 |
| Noninterest expense | 1,307,000 | 2,682,000 | 4,106,000 | 5,622,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 161,000 |
| Pretax income | 337,000 | 477,000 | 653,000 | 694,000 |
| Income tax | 8,000 | 316,000 | 259,000 | 321,000 |
| Net income | 329,000 | 161,000 | 394,000 | 373,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,460,000 | 13,241,000 | 13,424,000 | 13,353,000 |