Call reports 2025
MILFORD BANK THE — 2025
What MILFORD BANK THE 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 | 628,824,000 | 634,080,000 | 647,329,000 | 644,286,000 |
| Total loans | 487,384,000 | 497,489,000 | 507,728,000 | 507,006,000 |
| Allowance for loan losses | 4,559,000 | 4,730,000 | 4,915,000 | 4,904,000 |
| Securities available for sale | 94,331,000 | 92,641,000 | 89,415,000 | 89,870,000 |
| Securities held to maturity | 3,462,000 | 2,440,000 | 2,418,000 | 2,397,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 503,915,000 | 504,954,000 | 495,781,000 | 503,612,000 |
| Interest-bearing deposits | 369,012,000 | 367,786,000 | 359,744,000 | 371,370,000 |
| Noninterest-bearing deposits | 134,903,000 | 137,168,000 | 136,037,000 | 132,242,000 |
| Equity capital | 50,905,000 | 52,423,000 | 54,394,000 | 55,757,000 |
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 | 6,766,000 | 13,658,000 | 20,823,000 | 28,232,000 |
| Interest expense | 1,974,000 | 3,923,000 | 5,960,000 | 7,982,000 |
| Net interest income | 4,792,000 | 9,735,000 | 14,863,000 | 20,250,000 |
| Noninterest income | 627,000 | 1,526,000 | 2,371,000 | 3,023,000 |
| Noninterest expense | 4,168,000 | 8,808,000 | 13,353,000 | 18,482,000 |
| Provision for loan losses | 10,000 | 185,000 | 370,000 | 360,000 |
| Pretax income | 1,241,000 | 2,268,000 | 3,511,000 | 4,431,000 |
| Income tax | 213,000 | 419,000 | 672,000 | 856,000 |
| Net income | 1,028,000 | 1,849,000 | 2,839,000 | 3,575,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,698,000 | 61,519,000 | 62,509,000 | 63,245,000 |
| Total capital | 65,357,000 | 66,349,000 | 67,524,000 | 68,249,000 |
| Risk-weighted assets | 429,500,000 | 436,105,000 | 443,687,000 | 445,732,000 |
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