Call reports 2025
MCBANK — 2025
What MCBANK 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 | 422,219,000 | 434,067,000 | 454,264,000 | 456,080,000 |
| Total loans | 198,654,000 | 199,907,000 | 198,893,000 | 204,457,000 |
| Allowance for loan losses | 3,185,000 | 3,116,000 | 3,035,000 | 3,021,000 |
| Securities available for sale | 163,055,000 | 166,001,000 | 168,197,000 | 159,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 378,414,000 | 400,926,000 | 416,995,000 | 416,543,000 |
| Interest-bearing deposits | 253,150,000 | 274,002,000 | 290,096,000 | 291,828,000 |
| Noninterest-bearing deposits | 125,264,000 | 126,924,000 | 126,899,000 | 124,715,000 |
| Equity capital | 33,918,000 | 28,285,000 | 31,642,000 | 33,330,000 |
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 | 5,022,000 | 10,131,000 | 15,506,000 | 21,134,000 |
| Interest expense | 1,445,000 | 2,896,000 | 4,580,000 | 6,305,000 |
| Net interest income | 3,577,000 | 7,235,000 | 10,926,000 | 14,829,000 |
| Noninterest income | 621,000 | 1,648,000 | 2,395,000 | 3,050,000 |
| Noninterest expense | 2,917,000 | 5,642,000 | 8,625,000 | 11,318,000 |
| Provision for loan losses | 65,000 | 130,000 | 195,000 | 390,000 |
| Pretax income | 962,000 | 2,857,000 | 4,247,000 | 5,785,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 962,000 | 2,857,000 | 4,247,000 | 5,785,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,972,000 | 43,732,000 | 44,857,000 | 45,040,000 |
| Total capital | 54,205,000 | 46,908,000 | 47,952,000 | 48,121,000 |
| Risk-weighted assets | 258,644,000 | 256,282,000 | 255,983,000 | 252,214,000 |