Call reports 2025
MOUNT VERNON BANK AND TRUST COMPANY — 2025
What MOUNT VERNON BANK AND 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 | 182,235,000 | 181,472,000 | 181,263,000 | 186,242,000 |
| Total loans | 126,232,000 | 127,390,000 | 131,092,000 | 135,551,000 |
| Allowance for loan losses | 1,088,000 | 1,109,000 | 1,113,000 | 1,166,000 |
| Securities available for sale | 42,276,000 | 42,067,000 | 41,644,000 | 41,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,403,000 | 150,190,000 | 151,559,000 | 153,596,000 |
| Interest-bearing deposits | 132,154,000 | 131,117,000 | 132,525,000 | 131,675,000 |
| Noninterest-bearing deposits | 22,249,000 | 19,073,000 | 19,034,000 | 21,921,000 |
| Equity capital | 19,574,000 | 20,259,000 | 20,959,000 | 21,723,000 |
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 | 2,176,000 | 4,357,000 | 6,624,000 | 8,954,000 |
| Interest expense | 1,016,000 | 1,972,000 | 2,945,000 | 3,884,000 |
| Net interest income | 1,160,000 | 2,385,000 | 3,679,000 | 5,070,000 |
| Noninterest income | 187,000 | 366,000 | 537,000 | 692,000 |
| Noninterest expense | 793,000 | 1,584,000 | 2,445,000 | 3,329,000 |
| Provision for loan losses | -2,000 | 24,000 | 24,000 | 77,000 |
| Pretax income | 554,000 | 1,152,000 | 1,732,000 | 2,361,000 |
| Income tax | 120,000 | 246,000 | 379,000 | 508,000 |
| Net income | 434,000 | 906,000 | 1,353,000 | 1,853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,791,000 | 24,098,000 | 24,243,000 | 24,654,000 |