Call reports 2025
MUTUAL SAVINGS ASSOCIATION — 2025
What MUTUAL SAVINGS ASSOCIATION 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 | 366,919,000 | 371,880,000 | 377,369,000 | 402,685,000 |
| Total loans | 236,407,000 | 241,974,000 | 251,189,000 | 276,890,000 |
| Allowance for loan losses | 2,404,000 | 2,473,000 | 2,547,000 | 2,865,000 |
| Securities available for sale | 91,639,000 | 90,271,000 | 86,876,000 | 85,701,000 |
| Securities held to maturity | 3,942,000 | 4,384,000 | 4,354,000 | 4,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,780,000 | 242,449,000 | 245,978,000 | 252,019,000 |
| Interest-bearing deposits | 223,344,000 | 221,444,000 | 223,809,000 | 231,106,000 |
| Noninterest-bearing deposits | 22,436,000 | 21,005,000 | 22,169,000 | 20,913,000 |
| Equity capital | 83,950,000 | 85,411,000 | 87,748,000 | 89,316,000 |
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 | 4,927,000 | 9,988,000 | 15,178,000 | 20,526,000 |
| Interest expense | 1,668,000 | 3,436,000 | 5,237,000 | 7,085,000 |
| Net interest income | 3,259,000 | 6,552,000 | 9,941,000 | 13,441,000 |
| Noninterest income | 832,000 | 1,777,000 | 2,691,000 | 3,661,000 |
| Noninterest expense | 2,322,000 | 4,550,000 | 6,961,000 | 9,568,000 |
| Provision for loan losses | 98,000 | 195,000 | 277,000 | 882,000 |
| Pretax income | 1,722,000 | 3,585,000 | 5,437,000 | 6,711,000 |
| Income tax | 348,000 | 717,000 | 1,083,000 | 1,312,000 |
| Net income | 1,374,000 | 2,868,000 | 4,354,000 | 5,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,293,000 | 89,787,000 | 91,276,000 | 92,320,000 |
| Total capital | 91,070,000 | 92,628,000 | 94,132,000 | 95,457,000 |
| Risk-weighted assets | 259,005,000 | 271,283,000 | 277,419,000 | 299,556,000 |