Call reports 2025
BANK OF VERNON, THE — 2025
What BANK OF VERNON, THE 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 | 378,727,000 | 388,759,000 | 401,263,000 | 414,568,000 |
| Total loans | 255,757,000 | 278,786,000 | 305,936,000 | 319,771,000 |
| Allowance for loan losses | 2,534,000 | 2,720,000 | 3,435,000 | 3,669,000 |
| Securities available for sale | 54,161,000 | 58,642,000 | 56,070,000 | 56,563,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,137,000 | 323,357,000 | 332,846,000 | 345,108,000 |
| Interest-bearing deposits | 240,072,000 | 246,313,000 | 258,297,000 | 265,475,000 |
| Noninterest-bearing deposits | 74,065,000 | 77,044,000 | 74,549,000 | 79,633,000 |
| Equity capital | 62,747,000 | 63,873,000 | 66,769,000 | 67,612,000 |
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 | 5,900,000 | 12,270,000 | 19,071,000 | 26,098,000 |
| Interest expense | 2,068,000 | 4,156,000 | 6,279,000 | 8,442,000 |
| Net interest income | 3,832,000 | 8,114,000 | 12,792,000 | 17,656,000 |
| Noninterest income | 425,000 | 895,000 | 1,387,000 | 1,893,000 |
| Noninterest expense | 2,092,000 | 4,238,000 | 6,641,000 | 10,031,000 |
| Provision for loan losses | 347,000 | 844,000 | 997,000 | 1,966,000 |
| Pretax income | 1,542,000 | 3,639,000 | 6,078,000 | 7,095,000 |
| Income tax | 406,000 | 1,072,000 | 1,650,000 | 1,758,000 |
| Net income | 1,136,000 | 2,567,000 | 4,428,000 | 5,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,572,000 | 67,962,000 | 69,778,000 | 70,295,000 |