Call reports 2025
MCCLAIN BANK — 2025
What MCCLAIN 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 | 285,498,000 | 272,399,000 | 277,399,000 | 281,987,000 |
| Total loans | 178,037,000 | 181,095,000 | 184,796,000 | 193,907,000 |
| Allowance for loan losses | 2,242,000 | 2,185,000 | 2,159,000 | 2,305,000 |
| Securities available for sale | 25,622,000 | 27,994,000 | 30,390,000 | 29,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,108,000 | 242,000,000 | 247,902,000 | 251,518,000 |
| Interest-bearing deposits | 175,235,000 | 163,652,000 | 164,505,000 | 167,570,000 |
| Noninterest-bearing deposits | 80,873,000 | 78,348,000 | 83,397,000 | 83,948,000 |
| Equity capital | 28,469,000 | 29,792,000 | 28,645,000 | 29,514,000 |
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 | 4,155,000 | 8,414,000 | 12,586,000 | 16,865,000 |
| Interest expense | 867,000 | 1,710,000 | 2,553,000 | 3,375,000 |
| Net interest income | 3,288,000 | 6,704,000 | 10,033,000 | 13,490,000 |
| Noninterest income | 609,000 | 1,287,000 | 1,974,000 | 2,414,000 |
| Noninterest expense | 2,177,000 | 4,379,000 | 6,697,000 | 9,042,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 1,720,000 | 3,612,000 | 5,291,000 | 6,642,000 |
| Income tax | 454,000 | 891,000 | 1,252,000 | 1,592,000 |
| Net income | 1,266,000 | 2,721,000 | 4,039,000 | 5,050,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,451,000 | 29,766,000 | 28,444,000 | 29,315,000 |