Call reports 2025
MACHIAS SAVINGS BANK — 2025
What MACHIAS 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 | 2,567,242,000 | 2,611,219,000 | 2,615,938,000 | 2,714,674,000 |
| Total loans | 2,179,021,000 | 2,215,644,000 | 2,225,172,000 | 2,170,087,000 |
| Allowance for loan losses | 19,322,000 | 19,393,000 | 20,345,000 | 19,863,000 |
| Securities available for sale | 248,690,000 | 244,465,000 | 230,102,000 | 205,755,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,037,000 | 1,390,000 | 0 | 0 |
| Total deposits | 2,162,803,000 | 2,294,497,000 | 2,288,445,000 | 2,328,099,000 |
| Interest-bearing deposits | 1,944,097,000 | 2,061,648,000 | 2,032,994,000 | 2,096,922,000 |
| Noninterest-bearing deposits | 218,706,000 | 232,849,000 | 255,451,000 | 231,177,000 |
| Equity capital | 266,786,000 | 275,708,000 | 284,409,000 | 292,957,000 |
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 | 33,260,000 | 68,162,000 | 104,023,000 | 141,153,000 |
| Interest expense | 14,000,000 | 28,486,000 | 42,735,000 | 56,579,000 |
| Net interest income | 19,260,000 | 39,676,000 | 61,288,000 | 84,574,000 |
| Noninterest income | 3,350,000 | 6,973,000 | 10,662,000 | 14,536,000 |
| Noninterest expense | 17,570,000 | 34,267,000 | 51,391,000 | 70,477,000 |
| Provision for loan losses | -107,000 | -121,000 | 809,000 | 776,000 |
| Pretax income | 5,040,000 | 13,450,000 | 20,314,000 | 28,691,000 |
| Income tax | 922,000 | 2,485,000 | 3,719,000 | 5,292,000 |
| Net income | 4,118,000 | 10,965,000 | 16,595,000 | 23,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 293,397,000 | 300,245,000 | 305,875,000 | 312,679,000 |
| Total capital | 314,027,000 | 320,959,000 | 327,361,000 | 333,716,000 |
| Risk-weighted assets | 2,103,625,000 | 2,267,733,000 | 2,283,522,000 | 2,226,988,000 |