Call reports 2025
FORD COUNTY STATE BANK — 2025
What FORD 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 | 59,192,000 | 61,194,000 | 60,719,000 | 60,927,000 |
| Total loans | 28,452,000 | 30,711,000 | 30,529,000 | 30,629,000 |
| Allowance for loan losses | 311,000 | 300,000 | 315,000 | 336,000 |
| Securities available for sale | 25,054,000 | 25,226,000 | 25,303,000 | 24,165,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,400,000 | 48,140,000 | 48,285,000 | 48,350,000 |
| Interest-bearing deposits | 41,745,000 | 41,351,000 | 41,182,000 | 41,345,000 |
| Noninterest-bearing deposits | 7,655,000 | 6,789,000 | 7,103,000 | 7,005,000 |
| Equity capital | 4,449,000 | 4,666,000 | 5,041,000 | 5,267,000 |
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 | 693,000 | 1,411,000 | 2,134,000 | 2,870,000 |
| Interest expense | 277,000 | 579,000 | 889,000 | 1,173,000 |
| Net interest income | 416,000 | 832,000 | 1,245,000 | 1,697,000 |
| Noninterest income | 22,000 | 42,000 | 62,000 | 84,000 |
| Noninterest expense | 298,000 | 585,000 | 896,000 | 1,214,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 40,000 |
| Pretax income | 140,000 | 289,000 | 391,000 | 527,000 |
| Income tax | 17,000 | 68,000 | 92,000 | 120,000 |
| Net income | 123,000 | 221,000 | 299,000 | 407,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,085,000 | 6,183,000 | 6,262,000 | 6,369,000 |
| Total capital | 6,396,000 | 6,483,000 | — | — |
| Risk-weighted assets | 37,118,000 | 39,416,000 | — | — |