Call reports 2025
MACATAWA BANK, NATIONAL ASSOCIATION — 2025
What MACATAWA BANK, NATIONAL ASSOCIATION 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 | 3,314,645,000 | 3,484,457,000 | 3,518,311,000 | 3,664,026,000 |
| Total loans | 1,677,012,000 | 1,826,309,000 | 2,548,596,000 | 2,709,234,000 |
| Allowance for loan losses | 18,711,000 | 22,992,000 | 24,835,000 | 23,635,000 |
| Securities available for sale | 50,984,000 | 145,832,000 | 144,804,000 | 179,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 3,528,000 | 3,269,000 | 3,026,000 | 2,847,000 |
| Total deposits | 2,756,150,000 | 2,925,597,000 | 2,944,652,000 | 3,059,742,000 |
| Interest-bearing deposits | 2,072,032,000 | 2,211,059,000 | 2,224,132,000 | 2,308,424,000 |
| Noninterest-bearing deposits | 684,118,000 | 714,538,000 | 720,520,000 | 751,318,000 |
| Equity capital | 523,916,000 | 531,667,000 | 546,796,000 | 562,996,000 |
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 | 40,961,000 | 83,677,000 | 131,654,000 | 179,572,000 |
| Interest expense | 10,840,000 | 22,793,000 | 35,224,000 | 47,594,000 |
| Net interest income | 30,121,000 | 60,884,000 | 96,430,000 | 131,978,000 |
| Noninterest income | 2,371,000 | 4,415,000 | 6,779,000 | 9,788,000 |
| Noninterest expense | 17,687,000 | 35,893,000 | 50,638,000 | 67,146,000 |
| Provision for loan losses | 1,685,000 | 6,116,000 | 8,107,000 | 7,420,000 |
| Pretax income | 13,172,000 | 22,986,000 | 43,076,000 | 64,309,000 |
| Income tax | 3,279,000 | 5,795,000 | 10,931,000 | 16,312,000 |
| Net income | 9,893,000 | 17,191,000 | 32,145,000 | 47,997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 307,057,000 | 318,004,000 | 336,382,000 | 355,462,000 |
| Total capital | 324,470,000 | 339,043,000 | 360,037,000 | 382,248,000 |
| Risk-weighted assets | 1,897,438,000 | 2,041,878,000 | 2,798,347,000 | 3,012,170,000 |
Machine access — free, no API key
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