Call reports 2025
MCCLAVE STATE BANK — 2025
What MCCLAVE STATE 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 | 76,411,000 | 78,979,000 | 81,763,000 | 84,431,000 |
| Total loans | 64,881,000 | 69,613,000 | 72,050,000 | 71,624,000 |
| Allowance for loan losses | 721,000 | 782,000 | 811,000 | 827,000 |
| Securities available for sale | 5,178,000 | 4,350,000 | 4,356,000 | 4,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,484,000 | 65,628,000 | 67,190,000 | 71,604,000 |
| Interest-bearing deposits | 56,402,000 | 59,571,000 | 61,301,000 | 62,864,000 |
| Noninterest-bearing deposits | 8,082,000 | 6,057,000 | 5,889,000 | 8,740,000 |
| Equity capital | 9,555,000 | 9,835,000 | 10,163,000 | 10,435,000 |
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 | 1,371,000 | 2,804,000 | 4,242,000 | 5,698,000 |
| Interest expense | 517,000 | 1,046,000 | 1,623,000 | 2,177,000 |
| Net interest income | 854,000 | 1,758,000 | 2,619,000 | 3,521,000 |
| Noninterest income | 25,000 | 49,000 | 78,000 | 111,000 |
| Noninterest expense | 430,000 | 903,000 | 1,391,000 | 1,974,000 |
| Provision for loan losses | 60,000 | 120,000 | 150,000 | 165,000 |
| Pretax income | 389,000 | 784,000 | 1,156,000 | 1,493,000 |
| Income tax | 93,000 | 199,000 | 281,000 | 363,000 |
| Net income | 296,000 | 585,000 | 875,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,688,000 | 9,977,000 | 10,267,000 | 10,523,000 |