Call reports 2025
MANUFACTURERS AND TRADERS TRUST COMPANY — 2025
What MANUFACTURERS AND TRADERS 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 | 209,801,428,000 | 211,042,013,000 | 210,741,944,000 | 212,887,157,000 |
| Total loans | 134,627,225,000 | 136,167,926,000 | 137,032,766,000 | 138,782,842,000 |
| Allowance for loan losses | 2,199,213,000 | 2,195,879,000 | 2,160,729,000 | 2,115,241,000 |
| Securities available for sale | 20,782,188,000 | 21,522,600,000 | 23,145,624,000 | 23,201,229,000 |
| Securities held to maturity | 13,354,408,000 | 13,026,749,000 | 12,712,971,000 | 12,431,717,000 |
| Trading assets | 55,947,000 | 54,249,000 | 55,052,000 | 55,776,000 |
| Total deposits | 169,266,414,000 | 168,383,903,000 | 167,626,601,000 | 171,468,916,000 |
| Interest-bearing deposits | 119,143,451,000 | 119,642,570,000 | 121,356,460,000 | 123,734,818,000 |
| Noninterest-bearing deposits | 50,122,963,000 | 48,741,333,000 | 46,270,141,000 | 47,734,098,000 |
| Equity capital | 28,002,760,000 | 28,382,086,000 | 28,262,985,000 | 28,333,192,000 |
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 | 2,556,900,000 | 5,162,941,000 | 7,840,639,000 | 10,475,400,000 |
| Interest expense | 807,484,000 | 1,643,331,000 | 2,490,507,000 | 3,280,570,000 |
| Net interest income | 1,749,416,000 | 3,519,610,000 | 5,350,132,000 | 7,194,830,000 |
| Noninterest income | 491,875,000 | 1,036,638,000 | 1,608,289,000 | 2,172,408,000 |
| Noninterest expense | 1,309,592,000 | 2,538,012,000 | 3,785,364,000 | 5,043,891,000 |
| Provision for loan losses | 130,000,000 | 235,000,000 | 345,000,000 | 485,350,000 |
| Pretax income | 801,979,000 | 1,763,576,000 | 2,793,580,000 | 3,819,377,000 |
| Income tax | 185,842,000 | 410,302,000 | 643,747,000 | 869,957,000 |
| Net income | 616,137,000 | 1,353,274,000 | 2,149,833,000 | 2,949,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,373,551,000 | 19,639,327,000 | 19,463,733,000 | 19,541,812,000 |
| Total capital | 21,521,695,000 | 21,813,273,000 | 22,303,914,000 | 22,407,853,000 |
| Risk-weighted assets | 155,598,835,000 | 157,661,207,000 | 158,988,435,000 | 161,142,656,000 |