Call reports 2011
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2011
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 144,229,000 | 139,714,000 | 146,234,000 | 164,574,000 |
| Total loans | 62,803,000 | 63,274,000 | 61,909,000 | 59,980,000 |
| Allowance for loan losses | 785,000 | 784,000 | 784,000 | 759,000 |
| Securities available for sale | 74,598,000 | 71,334,000 | 79,571,000 | 93,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,183,000 | 114,725,000 | 119,798,000 | 125,357,000 |
| Interest-bearing deposits | 97,358,000 | 93,939,000 | 84,561,000 | 87,261,000 |
| Noninterest-bearing deposits | 22,825,000 | 20,786,000 | 35,237,000 | 38,096,000 |
| Equity capital | 15,996,000 | 17,286,000 | 18,999,000 | 19,680,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,439,000 | 5,097,000 | 6,736,000 |
| Interest expense | 436,000 | 866,000 | 1,284,000 | 1,702,000 |
| Net interest income | 1,268,000 | 2,573,000 | 3,813,000 | 5,034,000 |
| Noninterest income | 158,000 | 335,000 | 514,000 | 673,000 |
| Noninterest expense | 876,000 | 1,743,000 | 2,642,000 | 3,542,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 550,000 | 1,248,000 | 2,003,000 | 2,404,000 |
| Income tax | 4,000 | 7,000 | 7,000 | 14,000 |
| Net income | 546,000 | 1,241,000 | 1,996,000 | 2,390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,332,000 | 14,732,000 | 15,257,000 | 15,588,000 |
| Total capital | 15,068,000 | 15,456,000 | 15,981,000 | 16,347,000 |
| Risk-weighted assets | 58,918,000 | 58,153,000 | 58,454,000 | 60,579,000 |