Call reports 2025
WILSON & MUIR BANK & TRUST COMPANY — 2025
What WILSON & MUIR 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 | 854,417,000 | 802,908,000 | 808,888,000 | 844,478,000 |
| Total loans | 522,571,000 | 526,908,000 | 520,991,000 | 527,673,000 |
| Allowance for loan losses | 4,970,000 | 5,328,000 | 5,097,000 | 5,454,000 |
| Securities available for sale | 213,313,000 | 215,203,000 | 218,164,000 | 221,876,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 777,016,000 | 719,754,000 | 724,899,000 | 750,167,000 |
| Interest-bearing deposits | 456,085,000 | 450,348,000 | 453,201,000 | 483,528,000 |
| Noninterest-bearing deposits | 320,931,000 | 269,406,000 | 271,698,000 | 266,639,000 |
| Equity capital | 41,063,000 | 43,440,000 | 48,642,000 | 56,836,000 |
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 | 10,772,000 | 22,296,000 | 33,589,000 | 45,016,000 |
| Interest expense | 2,469,000 | 4,775,000 | 7,044,000 | 9,297,000 |
| Net interest income | 8,303,000 | 17,521,000 | 26,545,000 | 35,719,000 |
| Noninterest income | 890,000 | 1,915,000 | 3,035,000 | 4,305,000 |
| Noninterest expense | 4,371,000 | 8,718,000 | 13,232,000 | 18,006,000 |
| Provision for loan losses | -53,000 | 75,000 | -69,000 | 361,000 |
| Pretax income | 4,862,000 | 10,676,000 | 16,413,000 | 21,658,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 4,862,000 | 10,676,000 | 16,413,000 | 21,658,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,989,000 | 73,613,000 | 75,472,000 | 80,717,000 |
| Total capital | 79,024,000 | 78,961,000 | 80,626,000 | 86,223,000 |
| Risk-weighted assets | 560,294,000 | 564,016,000 | 556,700,000 | 559,936,000 |