Call reports 2007
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2007
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 120,047,000 | 124,371,000 | 124,913,000 | 119,210,000 |
| Total loans | 57,938,000 | 59,553,000 | 60,964,000 | 61,402,000 |
| Allowance for loan losses | 560,000 | 570,000 | 565,000 | 546,000 |
| Securities available for sale | 56,549,000 | 55,818,000 | 56,373,000 | 51,086,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,884,000 | 93,732,000 | 90,563,000 | 95,985,000 |
| Interest-bearing deposits | 78,194,000 | 77,186,000 | 75,766,000 | 79,271,000 |
| Noninterest-bearing deposits | 16,690,000 | 16,546,000 | 14,797,000 | 16,714,000 |
| Equity capital | 11,207,000 | 10,905,000 | 11,593,000 | 11,540,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,675,000 | 3,402,000 | 5,155,000 | 6,917,000 |
| Interest expense | 804,000 | 1,669,000 | 2,582,000 | 3,477,000 |
| Net interest income | 871,000 | 1,733,000 | 2,573,000 | 3,440,000 |
| Noninterest income | 186,000 | 363,000 | 534,000 | 720,000 |
| Noninterest expense | 761,000 | 1,490,000 | 2,254,000 | 3,012,000 |
| Provision for loan losses | 8,000 | 17,000 | 17,000 | 17,000 |
| Pretax income | 288,000 | 590,000 | 835,000 | 1,162,000 |
| Income tax | 49,000 | 74,000 | 73,000 | 159,000 |
| Net income | 239,000 | 516,000 | 762,000 | 1,003,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,589,000 | 11,783,000 | 11,945,000 | 11,539,000 |
| Total capital | 12,149,000 | 12,353,000 | 12,510,000 | 12,085,000 |
| Risk-weighted assets | 58,051,000 | 58,469,000 | 58,336,000 | 56,618,000 |
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