Call reports 2005
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2005
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 111,841,000 | 114,583,000 | 116,567,000 | 125,480,000 |
| Total loans | 42,369,000 | 46,147,000 | 47,332,000 | 48,793,000 |
| Allowance for loan losses | 626,000 | 603,000 | 607,000 | 580,000 |
| Securities available for sale | 62,574,000 | 61,978,000 | 60,846,000 | 63,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,564,000 | 89,743,000 | 88,393,000 | 94,897,000 |
| Interest-bearing deposits | 70,518,000 | 71,369,000 | 69,376,000 | 74,894,000 |
| Noninterest-bearing deposits | 19,046,000 | 18,374,000 | 19,017,000 | 20,003,000 |
| Equity capital | 10,776,000 | 11,305,000 | 11,346,000 | 10,660,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,387,000 | 2,804,000 | 4,294,000 | 5,808,000 |
| Interest expense | 452,000 | 937,000 | 1,479,000 | 2,089,000 |
| Net interest income | 935,000 | 1,867,000 | 2,815,000 | 3,719,000 |
| Noninterest income | 147,000 | 310,000 | 492,000 | 667,000 |
| Noninterest expense | 715,000 | 1,508,000 | 2,282,000 | 3,046,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 403,000 | 750,000 | 1,106,000 | 1,421,000 |
| Income tax | 68,000 | 91,000 | 124,000 | 141,000 |
| Net income | 335,000 | 659,000 | 982,000 | 1,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,982,000 | 11,226,000 | 11,471,000 | 11,127,000 |
| Total capital | 11,546,000 | 11,819,000 | 12,078,000 | 11,707,000 |
| Risk-weighted assets | 45,045,000 | 47,423,000 | 48,610,000 | 50,752,000 |
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