Call reports 2025
M1 BANK — 2025
What M1 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 | 1,136,465,000 | 1,152,078,000 | 1,142,919,000 | 1,196,604,000 |
| Total loans | 937,885,000 | 935,271,000 | 964,027,000 | 932,058,000 |
| Allowance for loan losses | 12,775,000 | 12,776,000 | 12,777,000 | 12,778,000 |
| Securities available for sale | 32,260,000 | 31,822,000 | 31,127,000 | 30,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,008,950,000 | 1,023,374,000 | 1,015,157,000 | 1,070,420,000 |
| Interest-bearing deposits | 952,112,000 | 942,099,000 | 939,141,000 | 974,481,000 |
| Noninterest-bearing deposits | 56,838,000 | 81,275,000 | 76,016,000 | 95,939,000 |
| Equity capital | 114,909,000 | 118,653,000 | 120,912,000 | 116,581,000 |
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 | 20,020,000 | 39,069,000 | 58,307,000 | 78,755,000 |
| Interest expense | 10,021,000 | 19,655,000 | 29,007,000 | 38,258,000 |
| Net interest income | 9,999,000 | 19,414,000 | 29,300,000 | 40,497,000 |
| Noninterest income | 8,000 | 202,000 | 224,000 | 223,000 |
| Noninterest expense | 4,040,000 | 7,512,000 | 11,737,000 | 17,227,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,841,000 | 12,244,000 | 18,036,000 | 23,712,000 |
| Income tax | 1,238,000 | 2,635,000 | 1,588,000 | 4,840,000 |
| Net income | 4,603,000 | 9,609,000 | 16,448,000 | 18,872,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 119,147,000 | 122,752,000 | 124,491,000 | 120,015,000 |