Call reports 2010
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2010
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 136,489,000 | 134,095,000 | 137,836,000 | 137,002,000 |
| Total loans | 61,295,000 | 63,262,000 | 66,570,000 | 65,402,000 |
| Allowance for loan losses | 785,000 | 779,000 | 746,000 | 783,000 |
| Securities available for sale | 66,747,000 | 64,771,000 | 62,580,000 | 65,818,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,777,000 | 106,476,000 | 112,513,000 | 113,123,000 |
| Interest-bearing deposits | 90,969,000 | 90,491,000 | 90,957,000 | 94,334,000 |
| Noninterest-bearing deposits | 20,808,000 | 15,985,000 | 21,556,000 | 18,789,000 |
| Equity capital | 15,039,000 | 15,522,000 | 16,456,000 | 14,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,733,000 | 3,428,000 | 5,191,000 | 6,924,000 |
| Interest expense | 506,000 | 993,000 | 1,472,000 | 1,932,000 |
| Net interest income | 1,227,000 | 2,435,000 | 3,719,000 | 4,992,000 |
| Noninterest income | 153,000 | 333,000 | 559,000 | 793,000 |
| Noninterest expense | 860,000 | 1,725,000 | 2,573,000 | 3,527,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 587,000 | 1,236,000 | 2,002,000 | 2,553,000 |
| Income tax | 3,000 | 6,000 | 0 | 14,000 |
| Net income | 584,000 | 1,230,000 | 2,002,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,240,000 | 13,544,000 | 14,063,000 | 13,866,000 |
| Total capital | 13,950,000 | 14,254,000 | 14,809,000 | 14,602,000 |
| Risk-weighted assets | 56,746,000 | 57,802,000 | 59,726,000 | 58,842,000 |