Call reports 2025
MCS BANK — 2025
What MCS 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 | 208,632,000 | 208,942,000 | 209,219,000 | 213,251,000 |
| Total loans | 170,403,000 | 172,176,000 | 176,957,000 | 180,475,000 |
| Allowance for loan losses | 1,925,000 | 2,068,000 | 2,157,000 | 2,037,000 |
| Securities available for sale | 12,076,000 | 11,798,000 | 11,763,000 | 10,595,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,824,000 | 180,708,000 | 179,201,000 | 180,147,000 |
| Interest-bearing deposits | 152,634,000 | 150,389,000 | 145,595,000 | 148,444,000 |
| Noninterest-bearing deposits | 30,190,000 | 30,319,000 | 33,606,000 | 31,703,000 |
| Equity capital | 23,928,000 | 24,355,000 | 25,056,000 | 25,496,000 |
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 | 2,669,000 | 5,382,000 | 8,226,000 | 11,096,000 |
| Interest expense | 762,000 | 1,483,000 | 2,144,000 | 2,841,000 |
| Net interest income | 1,907,000 | 3,899,000 | 6,082,000 | 8,255,000 |
| Noninterest income | 633,000 | 1,318,000 | 1,869,000 | 2,420,000 |
| Noninterest expense | 1,924,000 | 3,826,000 | 5,697,000 | 7,859,000 |
| Provision for loan losses | 247,000 | 482,000 | 616,000 | 669,000 |
| Pretax income | 384,000 | 916,000 | 1,645,000 | 2,173,000 |
| Income tax | 67,000 | 175,000 | 370,000 | 488,000 |
| Net income | 317,000 | 741,000 | 1,275,000 | 1,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,865,000 | 24,314,000 | 24,827,000 | 25,261,000 |
Machine access — free, no API key
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