Call reports 2003
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2003
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 118,252,000 | 119,868,000 | 116,992,000 | 116,168,000 |
| Total loans | 40,818,000 | 41,879,000 | 42,468,000 | 42,014,000 |
| Allowance for loan losses | 610,000 | 618,000 | 577,000 | 570,000 |
| Securities available for sale | 66,456,000 | 63,419,000 | 64,363,000 | 64,149,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,195,000 | 93,095,000 | 91,460,000 | 91,224,000 |
| Interest-bearing deposits | 79,142,000 | 78,272,000 | 76,868,000 | 75,253,000 |
| Noninterest-bearing deposits | 14,053,000 | 14,823,000 | 14,592,000 | 15,971,000 |
| Equity capital | 11,317,000 | 11,518,000 | 11,070,000 | 11,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,449,000 | 2,849,000 | 4,201,000 | 5,616,000 |
| Interest expense | 652,000 | 1,256,000 | 1,815,000 | 2,332,000 |
| Net interest income | 797,000 | 1,593,000 | 2,386,000 | 3,284,000 |
| Noninterest income | 188,000 | 379,000 | 553,000 | 727,000 |
| Noninterest expense | 618,000 | 1,296,000 | 1,938,000 | 2,695,000 |
| Provision for loan losses | 0 | 15,000 | 0 | 0 |
| Pretax income | 381,000 | 765,000 | 1,177,000 | 1,543,000 |
| Income tax | 114,000 | 234,000 | 319,000 | 361,000 |
| Net income | 267,000 | 531,000 | 858,000 | 1,182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,079,000 | 10,264,000 | 10,512,000 | 10,290,000 |
| Total capital | 10,629,000 | 10,834,000 | 11,079,000 | 10,853,000 |
| Risk-weighted assets | 43,911,000 | 45,605,000 | 45,372,000 | 45,025,000 |
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