Call reports 2025
MERCHANTS COMMERCIAL BANK — 2025
What MERCHANTS COMMERCIAL 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 | 491,577,000 | 485,760,000 | 496,857,000 | 485,985,000 |
| Total loans | 190,643,000 | 199,875,000 | 211,309,000 | 220,813,000 |
| Allowance for loan losses | 2,197,000 | 2,197,000 | 2,196,000 | 2,233,000 |
| Securities available for sale | 235,936,000 | 247,750,000 | 243,933,000 | 234,385,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,528,000 | 384,708,000 | 386,752,000 | 372,487,000 |
| Interest-bearing deposits | 222,727,000 | 219,522,000 | 245,311,000 | 225,970,000 |
| Noninterest-bearing deposits | 159,801,000 | 165,186,000 | 141,441,000 | 146,517,000 |
| Equity capital | 18,887,000 | 16,178,000 | 24,811,000 | 28,253,000 |
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 | 6,101,000 | 12,564,000 | 19,207,000 | 25,726,000 |
| Interest expense | 2,378,000 | 4,760,000 | 7,312,000 | 9,827,000 |
| Net interest income | 3,723,000 | 7,804,000 | 11,895,000 | 15,899,000 |
| Noninterest income | 429,000 | 865,000 | 1,281,000 | 1,728,000 |
| Noninterest expense | 2,090,000 | 4,317,000 | 6,521,000 | 8,853,000 |
| Provision for loan losses | 0 | 0 | 0 | 46,000 |
| Pretax income | 2,062,000 | 4,352,000 | 6,653,000 | 8,661,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 30,000 |
| Net income | 2,058,000 | 4,348,000 | 6,649,000 | 8,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,475,000 | 52,737,000 | 53,893,000 | 54,725,000 |