Call reports 2025
MILLEDGEVILLE STATE BANK — 2025
What MILLEDGEVILLE 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 | 187,204,000 | 193,839,000 | 203,410,000 | 211,080,000 |
| Total loans | 113,382,000 | 120,654,000 | 128,140,000 | 136,078,000 |
| Allowance for loan losses | 1,125,000 | 1,185,000 | 927,000 | 1,096,000 |
| Securities available for sale | 49,953,000 | 50,147,000 | 52,805,000 | 54,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,540,000 | 154,284,000 | 160,120,000 | 163,816,000 |
| Interest-bearing deposits | 131,913,000 | 140,021,000 | 146,389,000 | 148,032,000 |
| Noninterest-bearing deposits | 16,627,000 | 14,263,000 | 13,731,000 | 15,784,000 |
| Equity capital | 17,773,000 | 18,062,000 | 19,675,000 | 20,486,000 |
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 | 2,462,000 | 4,994,000 | 7,725,000 | 10,587,000 |
| Interest expense | 1,352,000 | 2,683,000 | 4,080,000 | 5,505,000 |
| Net interest income | 1,110,000 | 2,311,000 | 3,645,000 | 5,082,000 |
| Noninterest income | 80,000 | 165,000 | 242,000 | 343,000 |
| Noninterest expense | 748,000 | 1,402,000 | 2,161,000 | 2,970,000 |
| Provision for loan losses | 0 | 60,000 | 170,000 | 340,000 |
| Pretax income | 446,000 | 1,018,000 | 1,569,000 | 2,128,000 |
| Income tax | 8,000 | 16,000 | 24,000 | 32,000 |
| Net income | 438,000 | 1,002,000 | 1,545,000 | 2,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,211,000 | 21,582,000 | 21,979,000 | 22,572,000 |
| Total capital | 22,336,000 | 22,767,000 | 22,906,000 | 23,669,000 |
| Risk-weighted assets | 137,855,000 | 143,500,000 | 151,941,000 | 158,537,000 |