Call reports 2025
WALDO STATE BANK — 2025
What WALDO 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 | 152,631,000 | 155,758,000 | 151,134,000 | 153,376,000 |
| Total loans | 123,713,000 | 120,932,000 | 120,364,000 | 117,237,000 |
| Allowance for loan losses | 1,016,000 | 1,011,000 | 1,027,000 | 844,000 |
| Securities available for sale | 13,973,000 | 16,146,000 | 16,104,000 | 19,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,496,000 | 126,172,000 | 127,509,000 | 132,047,000 |
| Interest-bearing deposits | 109,843,000 | 114,122,000 | 115,625,000 | 119,417,000 |
| Noninterest-bearing deposits | 13,653,000 | 12,050,000 | 11,884,000 | 12,630,000 |
| Equity capital | 13,729,000 | 14,072,000 | 14,486,000 | 14,683,000 |
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 | 2,176,000 | 4,410,000 | 6,625,000 | 8,831,000 |
| Interest expense | 939,000 | 1,955,000 | 2,982,000 | 3,975,000 |
| Net interest income | 1,237,000 | 2,455,000 | 3,643,000 | 4,856,000 |
| Noninterest income | 116,000 | 204,000 | 317,000 | 449,000 |
| Noninterest expense | 899,000 | 1,910,000 | 2,812,000 | 3,865,000 |
| Provision for loan losses | 34,000 | 26,000 | 40,000 | 131,000 |
| Pretax income | 431,000 | 704,000 | 1,076,000 | 1,279,000 |
| Income tax | 72,000 | 134,000 | 200,000 | 249,000 |
| Net income | 359,000 | 570,000 | 876,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,814,000 | 15,024,000 | 15,332,000 | 15,404,000 |