Call reports 2025
MIDWEST HERITAGE BANK, FSB — 2025
What MIDWEST HERITAGE BANK, FSB 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 | 489,559,000 | 491,513,000 | 478,454,000 | 491,648,000 |
| Total loans | 366,863,000 | 373,187,000 | 389,876,000 | 395,997,000 |
| Allowance for loan losses | 3,810,000 | 3,872,000 | 3,913,000 | 3,890,000 |
| Securities available for sale | 41,192,000 | 40,470,000 | 39,005,000 | 53,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 381,692,000 | 362,347,000 | 344,140,000 | 358,299,000 |
| Interest-bearing deposits | 313,622,000 | 293,984,000 | 273,259,000 | 283,384,000 |
| Noninterest-bearing deposits | 68,070,000 | 68,363,000 | 70,881,000 | 74,915,000 |
| Equity capital | 61,556,000 | 64,122,000 | 66,232,000 | 68,371,000 |
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 | 6,459,000 | 13,082,000 | 19,872,000 | 26,431,000 |
| Interest expense | 2,405,000 | 4,704,000 | 7,147,000 | 9,384,000 |
| Net interest income | 4,054,000 | 8,378,000 | 12,725,000 | 17,047,000 |
| Noninterest income | 6,718,000 | 11,671,000 | 15,917,000 | 20,440,000 |
| Noninterest expense | 6,091,000 | 12,279,000 | 18,477,000 | 24,792,000 |
| Provision for loan losses | 184,000 | 280,000 | 360,000 | 360,000 |
| Pretax income | 4,497,000 | 7,490,000 | 9,805,000 | 12,335,000 |
| Income tax | 1,079,000 | 1,797,000 | 2,386,000 | 2,992,000 |
| Net income | 3,418,000 | 5,693,000 | 7,419,000 | 9,343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,071,000 | 65,346,000 | 67,071,000 | 68,995,000 |
| Total capital | 67,006,000 | 69,343,000 | 71,109,000 | 73,010,000 |
| Risk-weighted assets | 392,042,000 | 385,427,000 | 407,484,000 | 417,155,000 |