Call reports 2025
MUNICIPAL TRUST AND SAVINGS BANK — 2025
What MUNICIPAL TRUST AND SAVINGS 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 | 356,425,000 | 354,247,000 | 348,176,000 | 355,036,000 |
| Total loans | 248,172,000 | 254,438,000 | 258,228,000 | 259,598,000 |
| Allowance for loan losses | 2,966,000 | 2,966,000 | 3,060,000 | 3,059,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 72,480,000 | 60,285,000 | 58,668,000 | 56,886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,110,000 | 283,459,000 | 274,718,000 | 281,996,000 |
| Interest-bearing deposits | 202,416,000 | 204,060,000 | 202,283,000 | 210,097,000 |
| Noninterest-bearing deposits | 77,694,000 | 79,399,000 | 72,435,000 | 71,899,000 |
| Equity capital | 59,787,000 | 56,259,000 | 58,937,000 | 53,119,000 |
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 | 4,780,000 | 9,766,000 | 14,905,000 | 20,184,000 |
| Interest expense | 1,034,000 | 2,060,000 | 3,114,000 | 4,209,000 |
| Net interest income | 3,746,000 | 7,706,000 | 11,791,000 | 15,975,000 |
| Noninterest income | 549,000 | 938,000 | 1,238,000 | 1,520,000 |
| Noninterest expense | 1,463,000 | 3,121,000 | 4,663,000 | 6,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,832,000 | 5,523,000 | 8,366,000 | 10,710,000 |
| Income tax | 0 | 215,000 | 380,000 | 544,000 |
| Net income | 2,832,000 | 5,308,000 | 7,986,000 | 10,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,787,000 | 56,259,000 | 58,937,000 | 53,119,000 |