Call reports 2025
MILLVILLE SAVINGS BANK — 2025
What MILLVILLE 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 | 160,928,000 | 161,560,000 | 163,339,000 | 167,455,000 |
| Total loans | 65,026,000 | 66,983,000 | 70,428,000 | 70,576,000 |
| Allowance for loan losses | 1,369,000 | 1,395,000 | 1,408,000 | 1,410,000 |
| Securities available for sale | 56,704,000 | 53,727,000 | 51,033,000 | 54,817,000 |
| Securities held to maturity | 10,343,000 | 10,334,000 | 10,326,000 | 10,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,318,000 | 142,735,000 | 143,296,000 | 146,842,000 |
| Interest-bearing deposits | 121,854,000 | 122,853,000 | 121,643,000 | 124,613,000 |
| Noninterest-bearing deposits | 20,464,000 | 19,882,000 | 21,653,000 | 22,229,000 |
| Equity capital | 18,038,000 | 18,224,000 | 19,302,000 | 19,730,000 |
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 | 1,447,000 | 2,964,000 | 4,502,000 | 6,087,000 |
| Interest expense | 337,000 | 677,000 | 1,041,000 | 1,402,000 |
| Net interest income | 1,110,000 | 2,287,000 | 3,461,000 | 4,685,000 |
| Noninterest income | 87,000 | 172,000 | 264,000 | 349,000 |
| Noninterest expense | 1,046,000 | 2,031,000 | 3,066,000 | 4,253,000 |
| Provision for loan losses | 7,000 | 33,000 | 60,000 | 58,000 |
| Pretax income | 157,000 | 410,000 | 619,000 | 745,000 |
| Income tax | 28,000 | 91,000 | 139,000 | 97,000 |
| Net income | 129,000 | 319,000 | 480,000 | 648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,249,000 | 22,437,000 | 22,599,000 | 22,767,000 |
| Total capital | 23,216,000 | 23,426,000 | 23,582,000 | 23,746,000 |
| Risk-weighted assets | 76,974,000 | 78,761,000 | 78,228,000 | 77,888,000 |