Call reports 2025
MOUNTAIN COMMERCE BANK — 2025
What MOUNTAIN COMMERCE 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 | 1,792,656,000 | 1,804,772,000 | 1,801,509,000 | 1,769,768,000 |
| Total loans | 1,469,486,000 | 1,478,392,000 | 1,484,062,000 | 1,490,359,000 |
| Allowance for loan losses | 11,396,000 | 11,640,000 | 11,369,000 | 11,626,000 |
| Securities available for sale | 115,290,000 | 116,616,000 | 113,617,000 | 109,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,576,887,000 | 1,591,148,000 | 1,590,178,000 | 1,553,790,000 |
| Interest-bearing deposits | 1,319,276,000 | 1,317,907,000 | 1,322,725,000 | 1,309,705,000 |
| Noninterest-bearing deposits | 257,611,000 | 273,241,000 | 267,453,000 | 244,085,000 |
| Equity capital | 151,273,000 | 152,117,000 | 153,527,000 | 153,968,000 |
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 | 22,210,000 | 45,393,000 | 68,736,000 | 91,840,000 |
| Interest expense | 12,911,000 | 26,158,000 | 38,957,000 | 51,449,000 |
| Net interest income | 9,299,000 | 19,235,000 | 29,779,000 | 40,391,000 |
| Noninterest income | 671,000 | 1,698,000 | 2,484,000 | 3,194,000 |
| Noninterest expense | 6,580,000 | 13,280,000 | 19,807,000 | 26,960,000 |
| Provision for loan losses | 0 | 252,000 | -15,000 | 234,000 |
| Pretax income | 3,183,000 | 7,293,000 | 12,145,000 | 15,751,000 |
| Income tax | 684,000 | 1,508,000 | 2,450,000 | 3,127,000 |
| Net income | 2,499,000 | 5,785,000 | 9,695,000 | 12,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 164,620,000 | 165,017,000 | 165,246,000 | 165,125,000 |
| Total capital | 176,904,000 | 177,432,000 | 177,623,000 | 178,085,000 |
| Risk-weighted assets | 1,444,818,000 | 1,454,807,000 | 1,481,401,000 | 1,490,199,000 |