Call reports 2012
MOUNT VERNON BANK — 2012
What MOUNT VERNON BANK 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 | 131,706,000 | 133,581,000 | 134,748,000 | 138,344,000 |
| Total loans | 66,360,000 | 68,759,000 | 70,028,000 | 65,764,000 |
| Allowance for loan losses | 871,000 | 823,000 | 868,000 | 914,000 |
| Securities available for sale | 37,227,000 | 35,367,000 | 33,129,000 | 34,138,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,766,000 | 119,198,000 | 120,068,000 | 123,441,000 |
| Interest-bearing deposits | 95,162,000 | 97,309,000 | 101,348,000 | 104,611,000 |
| Noninterest-bearing deposits | 22,604,000 | 21,889,000 | 18,719,000 | 18,830,000 |
| Equity capital | 11,529,000 | 11,981,000 | 12,186,000 | 12,425,000 |
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 | 1,351,000 | 2,729,000 | 4,076,000 | 5,385,000 |
| Interest expense | 356,000 | 697,000 | 1,010,000 | 1,302,000 |
| Net interest income | 995,000 | 2,032,000 | 3,066,000 | 4,083,000 |
| Noninterest income | 214,000 | 417,000 | 581,000 | 787,000 |
| Noninterest expense | 892,000 | 1,790,000 | 2,690,000 | 3,631,000 |
| Provision for loan losses | 35,000 | 110,000 | 155,000 | 215,000 |
| Pretax income | 282,000 | 549,000 | 802,000 | 1,097,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 549,000 | 802,000 | 1,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,451,000 | 11,717,000 | 11,970,000 | 12,265,000 |
| Total capital | 12,322,000 | 12,540,000 | 12,838,000 | 13,130,000 |
| Risk-weighted assets | 72,891,000 | 75,559,000 | 79,341,000 | 72,281,000 |