Call reports 2025
MUENSTER STATE BANK — 2025
What MUENSTER 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 | 215,679,000 | 223,090,000 | 222,252,000 | 222,278,000 |
| Total loans | 71,309,000 | 73,866,000 | 76,429,000 | 80,150,000 |
| Allowance for loan losses | 724,000 | 639,000 | 650,000 | 751,000 |
| Securities available for sale | 85,447,000 | 85,235,000 | 85,482,000 | 83,850,000 |
| Securities held to maturity | 44,770,000 | 46,130,000 | 44,585,000 | 46,167,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,469,000 | 186,696,000 | 182,995,000 | 187,638,000 |
| Interest-bearing deposits | 121,971,000 | 124,442,000 | 122,012,000 | 124,447,000 |
| Noninterest-bearing deposits | 61,498,000 | 62,254,000 | 60,983,000 | 63,191,000 |
| Equity capital | 23,119,000 | 25,227,000 | 27,106,000 | 25,474,000 |
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 | 2,328,000 | 4,664,000 | 7,154,000 | 9,644,000 |
| Interest expense | 564,000 | 1,180,000 | 1,805,000 | 2,443,000 |
| Net interest income | 1,764,000 | 3,484,000 | 5,349,000 | 7,201,000 |
| Noninterest income | 168,000 | 340,000 | 518,000 | 720,000 |
| Noninterest expense | 698,000 | 1,429,000 | 2,164,000 | 3,553,000 |
| Provision for loan losses | 0 | -74,000 | -63,000 | 37,000 |
| Pretax income | 1,234,000 | 2,395,000 | 3,703,000 | 4,268,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,234,000 | 2,395,000 | 3,703,000 | 4,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,876,000 | 33,038,000 | 33,757,000 | 31,408,000 |