Call reports 2009
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2009
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 134,730,000 | 130,325,000 | 139,851,000 | 137,106,000 |
| Total loans | 63,701,000 | 63,112,000 | 63,265,000 | 62,799,000 |
| Allowance for loan losses | 687,000 | 745,000 | 744,000 | 781,000 |
| Securities available for sale | 59,604,000 | 61,519,000 | 66,861,000 | 64,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,737,000 | 104,271,000 | 109,327,000 | 106,518,000 |
| Interest-bearing deposits | 87,978,000 | 87,590,000 | 86,322,000 | 88,256,000 |
| Noninterest-bearing deposits | 17,759,000 | 16,681,000 | 23,005,000 | 18,262,000 |
| Equity capital | 13,438,000 | 13,393,000 | 14,049,000 | 13,892,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,829,000 | 3,670,000 | 5,426,000 | 7,246,000 |
| Interest expense | 668,000 | 1,306,000 | 1,912,000 | 2,463,000 |
| Net interest income | 1,161,000 | 2,364,000 | 3,514,000 | 4,783,000 |
| Noninterest income | 144,000 | 292,000 | 432,000 | 584,000 |
| Noninterest expense | 792,000 | 1,667,000 | 2,502,000 | 3,368,000 |
| Provision for loan losses | 50,000 | 100,000 | 125,000 | 200,000 |
| Pretax income | 621,000 | 1,257,000 | 1,755,000 | 2,347,000 |
| Income tax | 0 | 8,000 | 16,000 | 15,000 |
| Net income | 621,000 | 1,249,000 | 1,739,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,449,000 | 12,768,000 | 12,950,000 | 12,793,000 |
| Total capital | 13,136,000 | 13,480,000 | 13,669,000 | 13,509,000 |
| Risk-weighted assets | 58,515,000 | 56,944,000 | 57,524,000 | 57,231,000 |