Call reports 2025
MUTUAL SAVINGS BANK — 2025
What MUTUAL 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 | 314,063,000 | 322,352,000 | 348,962,000 | 348,951,000 |
| Total loans | 206,573,000 | 212,432,000 | 214,455,000 | 221,484,000 |
| Allowance for loan losses | 2,914,000 | 2,953,000 | 2,968,000 | 3,157,000 |
| Securities available for sale | 71,830,000 | 70,053,000 | 71,461,000 | 72,118,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,339,000 | 244,296,000 | 268,227,000 | 280,273,000 |
| Interest-bearing deposits | 204,495,000 | 204,697,000 | 222,818,000 | 233,515,000 |
| Noninterest-bearing deposits | 40,844,000 | 39,599,000 | 45,409,000 | 46,758,000 |
| Equity capital | 19,277,000 | 18,639,000 | 20,978,000 | 22,512,000 |
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 | 3,945,000 | 7,972,000 | 12,259,000 | 16,611,000 |
| Interest expense | 1,729,000 | 3,488,000 | 5,414,000 | 7,279,000 |
| Net interest income | 2,216,000 | 4,484,000 | 6,845,000 | 9,332,000 |
| Noninterest income | 364,000 | 719,000 | 1,096,000 | 1,690,000 |
| Noninterest expense | 1,983,000 | 4,012,000 | 6,051,000 | 8,213,000 |
| Provision for loan losses | -43,000 | -13,000 | -6,000 | 184,000 |
| Pretax income | 640,000 | 1,204,000 | 1,866,000 | 2,595,000 |
| Income tax | 83,000 | 149,000 | 225,000 | 308,000 |
| Net income | 557,000 | 1,055,000 | 1,641,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,916,000 | 33,330,000 | 33,530,000 | 34,186,000 |
| Total capital | 35,814,000 | 36,267,000 | 36,502,000 | 37,347,000 |
| Risk-weighted assets | 266,312,000 | 269,691,000 | 260,076,000 | 278,956,000 |