Call reports 2025
MILLYARD BANK, THE — 2025
What MILLYARD 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 | 253,661,000 | 279,006,000 | 305,383,000 | 290,432,000 |
| Total loans | 193,343,000 | 209,550,000 | 224,614,000 | 239,092,000 |
| Allowance for loan losses | 1,805,000 | 1,985,000 | 2,103,000 | 2,289,000 |
| Securities available for sale | 2,667,000 | 2,551,000 | 9,450,000 | 9,165,000 |
| Securities held to maturity | 24,927,000 | 24,159,000 | 25,472,000 | 24,466,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,852,000 | 229,104,000 | 254,926,000 | 244,200,000 |
| Interest-bearing deposits | 159,840,000 | 195,313,000 | 219,411,000 | 207,905,000 |
| Noninterest-bearing deposits | 44,012,000 | 33,791,000 | 35,515,000 | 36,295,000 |
| Equity capital | 27,423,000 | 28,607,000 | 29,034,000 | 29,573,000 |
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 | 3,213,000 | 6,743,000 | 10,844,000 | 15,135,000 |
| Interest expense | 1,550,000 | 3,342,000 | 5,439,000 | 7,507,000 |
| Net interest income | 1,663,000 | 3,401,000 | 5,405,000 | 7,628,000 |
| Noninterest income | 50,000 | 133,000 | 202,000 | 296,000 |
| Noninterest expense | 1,460,000 | 2,932,000 | 4,447,000 | 5,866,000 |
| Provision for loan losses | 109,000 | 289,000 | 407,000 | 593,000 |
| Pretax income | 154,000 | 256,000 | 688,000 | 1,344,000 |
| Income tax | 33,000 | 40,000 | 141,000 | 303,000 |
| Net income | 121,000 | 216,000 | 547,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,021,000 | 29,228,000 | 29,639,000 | 30,152,000 |