Call reports 2002
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2002
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 102,804,000 | 106,329,000 | 113,699,000 | 114,786,000 |
| Total loans | 39,447,000 | 38,837,000 | 40,186,000 | 40,260,000 |
| Allowance for loan losses | 530,000 | 537,000 | 551,000 | 609,000 |
| Securities available for sale | 53,780,000 | 58,657,000 | 66,611,000 | 63,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,566,000 | 88,127,000 | 87,290,000 | 89,596,000 |
| Interest-bearing deposits | 72,495,000 | 74,727,000 | 75,711,000 | 77,084,000 |
| Noninterest-bearing deposits | 13,071,000 | 13,400,000 | 11,579,000 | 12,512,000 |
| Equity capital | 9,974,000 | 10,525,000 | 11,274,000 | 11,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,536,000 | 3,082,000 | 4,678,000 | 6,190,000 |
| Interest expense | 750,000 | 1,459,000 | 2,177,000 | 2,890,000 |
| Net interest income | 786,000 | 1,623,000 | 2,501,000 | 3,300,000 |
| Noninterest income | 167,000 | 351,000 | 559,000 | 736,000 |
| Noninterest expense | 617,000 | 1,270,000 | 1,917,000 | 2,556,000 |
| Provision for loan losses | 10,000 | 20,000 | 50,000 | 125,000 |
| Pretax income | 389,000 | 782,000 | 1,255,000 | 1,631,000 |
| Income tax | 122,000 | 248,000 | 399,000 | 505,000 |
| Net income | 267,000 | 534,000 | 856,000 | 1,126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,701,000 | 9,888,000 | 10,130,000 | 9,891,000 |
| Total capital | 10,186,000 | 10,381,000 | 10,646,000 | 10,415,000 |
| Risk-weighted assets | 39,156,000 | 39,398,000 | 41,280,000 | 41,805,000 |
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