Call reports 2025
MOUNT VERNON BANK — 2025
What MOUNT VERNON BANK 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 | 187,650,000 | 192,785,000 | 195,580,000 | 188,645,000 |
| Total loans | 120,468,000 | 120,103,000 | 121,865,000 | 122,659,000 |
| Allowance for loan losses | 1,333,000 | 1,383,000 | 1,433,000 | 1,493,000 |
| Securities available for sale | 39,259,000 | 38,500,000 | 37,944,000 | 39,613,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,243,000 | 180,201,000 | 181,269,000 | 173,523,000 |
| Interest-bearing deposits | 137,547,000 | 137,424,000 | 139,901,000 | 138,342,000 |
| Noninterest-bearing deposits | 37,696,000 | 42,777,000 | 41,368,000 | 35,181,000 |
| Equity capital | 11,012,000 | 11,036,000 | 12,531,000 | 13,069,000 |
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 | 2,864,000 | 5,827,000 | 8,786,000 | 11,758,000 |
| Interest expense | 907,000 | 1,788,000 | 2,682,000 | 3,567,000 |
| Net interest income | 1,957,000 | 4,039,000 | 6,104,000 | 8,191,000 |
| Noninterest income | 187,000 | 374,000 | 549,000 | 717,000 |
| Noninterest expense | 1,282,000 | 2,603,000 | 4,027,000 | 5,637,000 |
| Provision for loan losses | 15,000 | 65,000 | 115,000 | 175,000 |
| Pretax income | 848,000 | 1,746,000 | 2,513,000 | 3,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 848,000 | 1,746,000 | 2,513,000 | 3,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,053,000 | 18,476,000 | 18,783,000 | 18,902,000 |