Call reports 2025
BENTON COUNTY STATE BANK — 2025
What BENTON COUNTY 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 | 51,386,000 | 51,664,000 | 50,210,000 | 50,502,000 |
| Total loans | 32,809,000 | 34,066,000 | 33,143,000 | 34,467,000 |
| Allowance for loan losses | 232,000 | 232,000 | 232,000 | 232,000 |
| Securities available for sale | 12,382,000 | 12,729,000 | 13,296,000 | 12,942,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,010,000 | 39,653,000 | 37,578,000 | 37,770,000 |
| Interest-bearing deposits | 31,383,000 | 30,807,000 | 30,116,000 | 30,848,000 |
| Noninterest-bearing deposits | 8,627,000 | 8,846,000 | 7,462,000 | 6,922,000 |
| Equity capital | 7,097,000 | 7,181,000 | 7,443,000 | 7,467,000 |
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 | 622,000 | 1,261,000 | 1,894,000 | 2,526,000 |
| Interest expense | 186,000 | 375,000 | 562,000 | 748,000 |
| Net interest income | 436,000 | 886,000 | 1,332,000 | 1,778,000 |
| Noninterest income | 17,000 | 42,000 | 65,000 | 106,000 |
| Noninterest expense | 299,000 | 596,000 | 904,000 | 1,231,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 332,000 | 493,000 | 653,000 |
| Income tax | 33,000 | 72,000 | 106,000 | 140,000 |
| Net income | 121,000 | 260,000 | 387,000 | 513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,770,000 | 7,758,000 | 7,886,000 | 7,862,000 |