Call reports 2025
MILFORD BUILDING AND LOAN ASSOCIATION, SB — 2025
What MILFORD BUILDING AND LOAN ASSOCIATION, SB 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 | 26,691,000 | 28,178,000 | 27,725,000 | 27,383,000 |
| Total loans | 18,392,000 | 18,283,000 | 18,557,000 | 18,581,000 |
| Allowance for loan losses | 285,000 | 254,000 | 259,000 | 273,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,212,000 | 24,678,000 | 24,165,000 | 23,868,000 |
| Interest-bearing deposits | 23,212,000 | 24,678,000 | 24,165,000 | 23,868,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 3,248,000 | 3,266,000 | 3,285,000 | 3,325,000 |
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 | 312,000 | 647,000 | 992,000 | 1,343,000 |
| Interest expense | 161,000 | 330,000 | 509,000 | 682,000 |
| Net interest income | 151,000 | 317,000 | 483,000 | 661,000 |
| Noninterest income | 1,000 | 16,000 | 19,000 | 22,000 |
| Noninterest expense | 134,000 | 275,000 | 412,000 | 536,000 |
| Provision for loan losses | 5,000 | 20,000 | 24,000 | 29,000 |
| Pretax income | 13,000 | 38,000 | 66,000 | 118,000 |
| Income tax | 4,000 | 12,000 | 20,000 | 31,000 |
| Net income | 9,000 | 26,000 | 46,000 | 87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,248,000 | 3,266,000 | 3,285,000 | 3,325,000 |
| Total capital | — | — | 3,454,000 | 3,495,000 |
| Risk-weighted assets | — | — | 13,468,000 | 13,520,000 |