Call reports 2025
MIDDLETOWN STATE BANK — 2025
What MIDDLETOWN 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 | 40,901,000 | 42,944,000 | 45,363,000 | 45,698,000 |
| Total loans | 29,170,000 | 29,694,000 | 28,594,000 | 32,683,000 |
| Allowance for loan losses | 183,000 | 272,000 | 251,000 | 266,000 |
| Securities available for sale | 0 | 5,928,000 | 4,247,000 | 4,750,000 |
| Securities held to maturity | 7,680,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,425,000 | 35,904,000 | 38,068,000 | 38,243,000 |
| Interest-bearing deposits | 5,699,000 | 30,756,000 | 32,143,000 | 32,998,000 |
| Noninterest-bearing deposits | 29,726,000 | 5,148,000 | 5,925,000 | 5,245,000 |
| Equity capital | 3,937,000 | 5,542,000 | 5,713,000 | 5,804,000 |
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 | 511,000 | 440,000 | 1,111,000 | 1,801,000 |
| Interest expense | 189,000 | 111,000 | 275,000 | 464,000 |
| Net interest income | 322,000 | 329,000 | 836,000 | 1,337,000 |
| Noninterest income | 15,000 | 8,000 | 10,000 | 17,000 |
| Noninterest expense | 154,000 | 204,000 | 494,000 | 788,000 |
| Provision for loan losses | 0 | 272,000 | 252,000 | 267,000 |
| Pretax income | 183,000 | -139,000 | 80,000 | 279,000 |
| Income tax | 0 | -43,000 | 14,000 | 69,000 |
| Net income | 183,000 | -96,000 | 66,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,937,000 | 3,409,000 | 3,589,000 | 3,897,000 |
| Total capital | — | 3,681,000 | 3,860,000 | 4,183,000 |
| Risk-weighted assets | — | 25,266,000 | 25,442,000 | 28,120,000 |