Call reports 2025
MILTON SAVINGS BANK — 2025
What MILTON 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 | 80,016,000 | 80,941,000 | 85,132,000 | 87,547,000 |
| Total loans | 50,848,000 | 54,047,000 | 55,923,000 | 58,530,000 |
| Allowance for loan losses | 537,000 | 592,000 | 614,000 | 647,000 |
| Securities available for sale | 23,360,000 | 22,370,000 | 22,561,000 | 22,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,749,000 | 62,370,000 | 60,727,000 | 65,257,000 |
| Interest-bearing deposits | 56,366,000 | 58,962,000 | 57,827,000 | 62,039,000 |
| Noninterest-bearing deposits | 3,383,000 | 3,408,000 | 2,900,000 | 3,218,000 |
| Equity capital | 12,459,000 | 12,349,000 | 12,884,000 | 13,014,000 |
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 | 812,000 | 1,683,000 | 2,602,000 | 3,576,000 |
| Interest expense | 295,000 | 603,000 | 931,000 | 1,281,000 |
| Net interest income | 517,000 | 1,080,000 | 1,671,000 | 2,295,000 |
| Noninterest income | 4,000 | 11,000 | 20,000 | 27,000 |
| Noninterest expense | 600,000 | 1,186,000 | 1,788,000 | 2,403,000 |
| Provision for loan losses | 67,000 | 123,000 | 145,000 | 178,000 |
| Pretax income | -146,000 | -218,000 | -242,000 | -259,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -146,000 | -218,000 | -242,000 | -259,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,350,000 | 15,278,000 | 15,254,000 | 15,237,000 |
| Total capital | 15,848,000 | 15,799,000 | 15,804,000 | 15,811,000 |
| Risk-weighted assets | 39,813,000 | 41,628,000 | 43,909,000 | 45,833,000 |