Call reports 2012
FIRST NATIONAL BANK OF MOUNT VERNON, THE — 2012
What FIRST NATIONAL BANK OF MOUNT VERNON, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 171,672,000 | 171,980,000 | 178,220,000 | 179,041,000 |
| Total loans | 58,543,000 | 57,400,000 | 56,594,000 | 56,712,000 |
| Allowance for loan losses | 853,000 | 781,000 | 821,000 | 733,000 |
| Securities available for sale | 99,249,000 | 107,831,000 | 114,817,000 | 113,937,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,832,000 | 127,736,000 | 127,308,000 | 136,427,000 |
| Interest-bearing deposits | 106,167,000 | 106,400,000 | 91,844,000 | 92,846,000 |
| Noninterest-bearing deposits | 27,665,000 | 21,336,000 | 35,464,000 | 43,581,000 |
| Equity capital | 19,304,000 | 19,908,000 | 21,463,000 | 20,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,481,000 | 5,163,000 | 6,747,000 |
| Interest expense | 428,000 | 852,000 | 1,269,000 | 1,676,000 |
| Net interest income | 1,276,000 | 2,629,000 | 3,894,000 | 5,071,000 |
| Noninterest income | 163,000 | 323,000 | 479,000 | 539,000 |
| Noninterest expense | 883,000 | 1,814,000 | 2,703,000 | 3,602,000 |
| Provision for loan losses | 100,000 | 135,000 | 135,000 | 50,000 |
| Pretax income | 1,005,000 | 1,708,000 | 2,240,000 | 2,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,005,000 | 1,708,000 | 2,240,000 | 2,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,265,000 | 16,688,000 | 17,168,000 | 17,082,000 |
| Total capital | 17,035,000 | 17,453,000 | 17,925,000 | 17,815,000 |
| Risk-weighted assets | 61,482,000 | 61,231,000 | 60,525,000 | 60,701,000 |