Call reports 2025
MURRAY BANK, THE — 2025
What MURRAY BANK, THE 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 | 515,890,000 | 530,543,000 | 539,246,000 | 548,664,000 |
| Total loans | 386,571,000 | 390,670,000 | 397,794,000 | 404,583,000 |
| Allowance for loan losses | 5,829,000 | 5,995,000 | 6,046,000 | 5,869,000 |
| Securities available for sale | 44,797,000 | 42,137,000 | 41,670,000 | 36,916,000 |
| Securities held to maturity | 63,583,000 | 63,018,000 | 62,279,000 | 61,597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,945,000 | 473,906,000 | 479,136,000 | 487,601,000 |
| Interest-bearing deposits | 375,646,000 | 381,272,000 | 381,336,000 | 387,724,000 |
| Noninterest-bearing deposits | 95,299,000 | 92,634,000 | 97,800,000 | 99,877,000 |
| Equity capital | 38,962,000 | 41,032,000 | 43,232,000 | 44,346,000 |
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 | 6,806,000 | 13,926,000 | 21,342,000 | 28,811,000 |
| Interest expense | 2,720,000 | 5,406,000 | 8,138,000 | 10,753,000 |
| Net interest income | 4,086,000 | 8,520,000 | 13,204,000 | 18,058,000 |
| Noninterest income | 554,000 | 1,192,000 | 1,757,000 | 2,343,000 |
| Noninterest expense | 2,279,000 | 4,925,000 | 7,410,000 | 10,148,000 |
| Provision for loan losses | 196,000 | 361,000 | 840,000 | 1,181,000 |
| Pretax income | 1,971,000 | 4,217,000 | 6,502,000 | 8,748,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,971,000 | 4,217,000 | 6,502,000 | 8,748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,720,000 | 48,321,000 | 49,707,000 | 50,291,000 |
| Total capital | 51,398,000 | 53,058,000 | 54,679,000 | 55,184,000 |
| Risk-weighted assets | 373,128,000 | 377,764,000 | 396,716,000 | 390,512,000 |