Call reports 2025
MIDDLETOWN VALLEY BANK — 2025
What MIDDLETOWN VALLEY 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 | 1,058,020,000 | 1,095,570,000 | 1,092,461,000 | 1,128,814,000 |
| Total loans | 863,948,000 | 873,561,000 | 903,580,000 | 934,791,000 |
| Allowance for loan losses | 8,526,000 | 8,675,000 | 9,649,000 | 9,842,000 |
| Securities available for sale | 42,515,000 | 46,712,000 | 54,390,000 | 53,681,000 |
| Securities held to maturity | 90,382,000 | 88,808,000 | 87,643,000 | 86,554,000 |
| Trading assets | 33,000 | 109,000 | 141,000 | 118,000 |
| Total deposits | 933,206,000 | 978,544,000 | 982,890,000 | 985,198,000 |
| Interest-bearing deposits | 677,557,000 | 713,850,000 | 718,904,000 | 718,368,000 |
| Noninterest-bearing deposits | 255,649,000 | 264,694,000 | 263,986,000 | 266,830,000 |
| Equity capital | 93,212,000 | 95,939,000 | 98,677,000 | 101,252,000 |
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 | 13,205,000 | 27,160,000 | 41,704,000 | 56,479,000 |
| Interest expense | 4,539,000 | 9,391,000 | 14,500,000 | 19,372,000 |
| Net interest income | 8,666,000 | 17,769,000 | 27,204,000 | 37,107,000 |
| Noninterest income | 783,000 | 1,875,000 | 2,929,000 | 4,014,000 |
| Noninterest expense | 6,391,000 | 12,750,000 | 19,386,000 | 26,757,000 |
| Provision for loan losses | 244,000 | 389,000 | 1,359,000 | 1,549,000 |
| Pretax income | 2,809,000 | 6,497,000 | 9,390,000 | 12,882,000 |
| Income tax | 651,000 | 1,617,000 | 2,320,000 | 3,205,000 |
| Net income | 2,158,000 | 4,880,000 | 7,070,000 | 9,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,996,000 | 100,325,000 | 102,523,000 | 104,737,000 |
| Total capital | 107,118,000 | 109,600,000 | 112,762,000 | 115,103,000 |
| Risk-weighted assets | 809,456,000 | 817,023,000 | 843,815,000 | 875,976,000 |