Call reports 2025
MI BANK — 2025
What MI 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 | 261,032,000 | 251,436,000 | 244,214,000 | 292,635,000 |
| Total loans | 193,593,000 | 210,162,000 | 207,581,000 | 203,283,000 |
| Allowance for loan losses | 2,720,000 | 4,620,000 | 4,895,000 | 2,300,000 |
| Securities available for sale | 10,369,000 | 8,705,000 | 8,547,000 | 8,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,996,000 | 228,354,000 | 220,356,000 | 269,143,000 |
| Interest-bearing deposits | 203,763,000 | 191,071,000 | 187,471,000 | 237,771,000 |
| Noninterest-bearing deposits | 33,233,000 | 37,283,000 | 32,885,000 | 31,372,000 |
| Equity capital | 22,000,000 | 20,994,000 | 21,464,000 | 21,621,000 |
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 | 3,763,000 | 7,382,000 | 11,250,000 | 15,020,000 |
| Interest expense | 1,915,000 | 3,597,000 | 5,292,000 | 7,017,000 |
| Net interest income | 1,848,000 | 3,785,000 | 5,958,000 | 8,003,000 |
| Noninterest income | 40,000 | 87,000 | 155,000 | 205,000 |
| Noninterest expense | 1,332,000 | 2,780,000 | 4,259,000 | 5,746,000 |
| Provision for loan losses | 350,000 | 2,250,000 | 2,525,000 | 4,421,000 |
| Pretax income | 206,000 | -1,158,000 | -671,000 | -1,959,000 |
| Income tax | 74,000 | -180,000 | -45,000 | -271,000 |
| Net income | 132,000 | -978,000 | -626,000 | -1,688,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,206,000 | 20,733,000 | 20,875,000 | 21,026,000 |
| Total capital | 24,825,000 | 23,541,000 | 23,645,000 | 23,486,000 |
| Risk-weighted assets | 209,219,000 | 222,677,000 | 219,283,000 | 216,367,000 |
Machine access — free, no API key
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