Call reports 2025
MANUFACTURERS BANK & TRUST COMPANY — 2025
What MANUFACTURERS BANK & 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 | 731,376,000 | 727,110,000 | 726,316,000 | 738,507,000 |
| Total loans | 522,946,000 | 512,754,000 | 502,117,000 | 523,479,000 |
| Allowance for loan losses | 7,017,000 | 7,165,000 | 7,324,000 | 7,510,000 |
| Securities available for sale | 149,953,000 | 159,234,000 | 167,107,000 | 162,546,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,899,000 | 627,099,000 | 608,819,000 | 638,317,000 |
| Interest-bearing deposits | 514,910,000 | 503,950,000 | 482,772,000 | 510,802,000 |
| Noninterest-bearing deposits | 121,989,000 | 123,149,000 | 126,047,000 | 127,515,000 |
| Equity capital | 70,861,000 | 73,906,000 | 77,076,000 | 79,959,000 |
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 | 8,745,000 | 17,798,000 | 26,696,000 | 35,753,000 |
| Interest expense | 3,350,000 | 6,469,000 | 9,490,000 | 12,455,000 |
| Net interest income | 5,395,000 | 11,329,000 | 17,206,000 | 23,298,000 |
| Noninterest income | 1,320,000 | 2,793,000 | 4,288,000 | 5,786,000 |
| Noninterest expense | 4,782,000 | 9,388,000 | 14,351,000 | 19,175,000 |
| Provision for loan losses | 175,000 | 347,000 | 522,000 | 708,000 |
| Pretax income | 1,776,000 | 4,397,000 | 6,626,000 | 9,156,000 |
| Income tax | 30,000 | 67,000 | 103,000 | 146,000 |
| Net income | 1,746,000 | 4,330,000 | 6,523,000 | 9,010,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,346,000 | 72,809,000 | 73,854,000 | 75,430,000 |
| Total capital | 78,413,000 | 79,959,000 | 80,929,000 | 82,746,000 |
| Risk-weighted assets | 582,669,000 | 571,932,000 | 565,758,000 | 585,094,000 |