Call reports 2025
M C BANK & TRUST COMPANY — 2025
What M C BANK & TRUST COMPANY 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 | 443,392,000 | 472,360,000 | 478,794,000 | 478,103,000 |
| Total loans | 320,203,000 | 318,158,000 | 311,829,000 | 313,409,000 |
| Allowance for loan losses | 5,010,000 | 5,008,000 | 5,050,000 | 4,990,000 |
| Securities available for sale | 36,970,000 | 36,268,000 | 36,897,000 | 37,972,000 |
| Securities held to maturity | 640,000 | 590,000 | 590,000 | 590,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 354,186,000 | 382,278,000 | 386,575,000 | 382,718,000 |
| Interest-bearing deposits | 269,787,000 | 298,046,000 | 296,157,000 | 297,374,000 |
| Noninterest-bearing deposits | 84,399,000 | 84,232,000 | 90,418,000 | 85,344,000 |
| Equity capital | 77,279,000 | 78,265,000 | 79,845,000 | 80,513,000 |
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 | 6,056,000 | 12,729,000 | 19,429,000 | 26,302,000 |
| Interest expense | 1,815,000 | 3,739,000 | 5,878,000 | 7,898,000 |
| Net interest income | 4,241,000 | 8,990,000 | 13,551,000 | 18,404,000 |
| Noninterest income | 484,000 | 948,000 | 1,475,000 | 1,992,000 |
| Noninterest expense | 3,389,000 | 7,354,000 | 10,829,000 | 15,062,000 |
| Provision for loan losses | -58,000 | -58,000 | 13,000 | -28,000 |
| Pretax income | 1,394,000 | 2,642,000 | 4,184,000 | 5,203,000 |
| Income tax | 307,000 | 576,000 | 912,000 | 982,000 |
| Net income | 1,087,000 | 2,066,000 | 3,272,000 | 4,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,783,000 | 81,476,000 | 82,598,000 | 82,955,000 |