Call report 2025Q4
MERCHANTS & CITIZENS BANK, THE — 2025Q4
The 22 measures MERCHANTS & CITIZENS BANK, THE reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 137,634,000 | USD | evidence → |
| Total loans | 50,997,000 | USD | evidence → |
| Allowance for loan losses | 1,142,000 | USD | evidence → |
| Securities available for sale | 70,347,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 121,213,000 | USD | evidence → |
| Interest-bearing deposits | 81,134,000 | USD | evidence → |
| Noninterest-bearing deposits | 40,079,000 | USD | evidence → |
| Equity capital | 14,481,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 6,034,000 | USD | evidence → |
| Interest expense | 1,782,000 | USD | evidence → |
| Net interest income | 4,252,000 | USD | evidence → |
| Noninterest income | 301,000 | USD | evidence → |
| Noninterest expense | 3,796,000 | USD | evidence → |
| Provision for loan losses | 206,000 | USD | evidence → |
| Pretax income | 551,000 | USD | evidence → |
| Income tax | -25,000 | USD | evidence → |
| Net income | 576,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 18,459,000 | USD | evidence → |
| Total capital | 19,482,000 | USD | evidence → |
| Risk-weighted assets | 81,764,000 | USD | evidence → |