Call reports 2025
MARSHALL COUNTY STATE BANK — 2025
What MARSHALL 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 | 40,865,000 | 42,213,000 | 42,013,000 | 44,062,000 |
| Total loans | 14,065,000 | 14,120,000 | 14,553,000 | 13,966,000 |
| Allowance for loan losses | 330,000 | 331,000 | 332,000 | 301,000 |
| Securities available for sale | 21,814,000 | 19,895,000 | 21,918,000 | 21,960,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,890,000 | 34,962,000 | 34,625,000 | 36,993,000 |
| Interest-bearing deposits | 27,033,000 | 28,565,000 | 28,478,000 | 29,486,000 |
| Noninterest-bearing deposits | 6,857,000 | 6,397,000 | 6,147,000 | 7,507,000 |
| Equity capital | 6,828,000 | 7,052,000 | 7,193,000 | 6,908,000 |
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 | 520,000 | 1,032,000 | 1,547,000 | 2,064,000 |
| Interest expense | 200,000 | 412,000 | 622,000 | 834,000 |
| Net interest income | 320,000 | 620,000 | 925,000 | 1,230,000 |
| Noninterest income | 16,000 | 32,000 | 48,000 | 61,000 |
| Noninterest expense | 166,000 | 323,000 | 491,000 | 650,000 |
| Provision for loan losses | 0 | 0 | 0 | -10,000 |
| Pretax income | 170,000 | 329,000 | 482,000 | 641,000 |
| Income tax | 27,000 | 47,000 | 87,000 | 87,000 |
| Net income | 143,000 | 282,000 | 395,000 | 554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,822,000 | 6,962,000 | 7,073,000 | 6,736,000 |
| Total capital | 6,976,000 | 7,107,000 | 7,230,000 | 6,879,000 |
| Risk-weighted assets | 12,171,000 | 11,454,000 | 12,417,000 | 11,285,000 |