Call reports 2025
MIAMI SAVINGS BANK — 2025
What MIAMI SAVINGS 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 | 134,038,000 | 133,576,000 | 134,525,000 | 133,530,000 |
| Total loans | 98,433,000 | 97,767,000 | 97,040,000 | 95,019,000 |
| Allowance for loan losses | 1,355,000 | 1,331,000 | 1,440,000 | 1,395,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,099,000 | 9,589,000 | 6,579,000 | 5,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,603,000 | 103,801,000 | 104,427,000 | 103,125,000 |
| Interest-bearing deposits | 77,179,000 | 78,885,000 | 78,330,000 | 76,644,000 |
| Noninterest-bearing deposits | 27,424,000 | 24,916,000 | 26,097,000 | 26,481,000 |
| Equity capital | 27,922,000 | 28,254,000 | 28,542,000 | 28,887,000 |
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 | 1,581,000 | 3,196,000 | 4,808,000 | 6,382,000 |
| Interest expense | 446,000 | 899,000 | 1,351,000 | 1,802,000 |
| Net interest income | 1,135,000 | 2,297,000 | 3,457,000 | 4,580,000 |
| Noninterest income | 49,000 | 125,000 | 246,000 | 315,000 |
| Noninterest expense | 832,000 | 1,696,000 | 2,504,000 | 3,318,000 |
| Provision for loan losses | 186,000 | 162,000 | 271,000 | 226,000 |
| Pretax income | 166,000 | 564,000 | 919,000 | 1,345,000 |
| Income tax | 28,000 | 94,000 | 161,000 | 242,000 |
| Net income | 138,000 | 470,000 | 758,000 | 1,103,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,922,000 | 28,254,000 | 28,542,000 | 28,887,000 |
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