Financial insights of MCB

MyFinsight

For the year ending 2025-12-31.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-12-31	2024-12-31
Non-interest income	-	21,624
Non-interest income-Deposit Account	8,388	-
Other income	3,483	2,205
Total non-interest income	11,871	23,829
Loans, including fees	480,497	429,748
Securities	23,601	21,378
Overnight deposits	9,347	15,013
Other interest and dividends	1,833	2,240
Total interest income	515,278	468,379
Deposits	198,810	198,013
Borrowed funds	11,939	15,795
Trust preferred securities	1,294	1,487
Total interest expense	212,043	215,295
Net interest income	303,235	253,084
Provision for credit losses	37,592	6,257
Net interest income after provision for credit losses	265,643	246,827
Compensation and benefits	84,029	77,859
Licensing fees	-	13,084
Bank premises and equipment	10,322	9,656
Professional fees	14,932	21,320
Technology costs	17,135	11,012
Regulatory settlement reserve	-	9,463
Deposit related program fees	24,021	-
Fdic assessments	9,548	11,780
Other expenses	16,018	19,401
Total non-interest expense	176,005	173,575
Net income before income tax expense	101,509	97,081
Income tax expense	30,411	30,395
Net income	71,098	66,686

Earnings per share, basic	6.71	5.97
Earnings per share, diluted	6.62	5.93
Weighted average number of shares outstanding, basic	10,594,606	11,179,074
Weighted average number of shares outstanding, diluted	10,741,670	11,255,223