Call reports 2014
MOUNT VERNON BANK — 2014
What MOUNT VERNON BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 132,049,000 | 129,166,000 | 128,434,000 | 130,500,000 |
| Total loans | 63,179,000 | 62,381,000 | 63,148,000 | 62,393,000 |
| Allowance for loan losses | 972,000 | 987,000 | 996,000 | 759,000 |
| Securities available for sale | 31,044,000 | 36,604,000 | 39,155,000 | 39,695,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,008,000 | 114,180,000 | 112,309,000 | 114,794,000 |
| Interest-bearing deposits | 96,665,000 | 93,266,000 | 90,518,000 | 95,031,000 |
| Noninterest-bearing deposits | 21,343,000 | 20,914,000 | 21,791,000 | 19,762,000 |
| Equity capital | 11,678,000 | 12,634,000 | 13,681,000 | 14,283,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,423,000 | 3,661,000 | 4,904,000 |
| Interest expense | 177,000 | 338,000 | 493,000 | 645,000 |
| Net interest income | 1,041,000 | 2,085,000 | 3,168,000 | 4,259,000 |
| Noninterest income | 201,000 | 400,000 | 591,000 | 807,000 |
| Noninterest expense | 862,000 | 1,731,000 | 2,597,000 | 3,484,000 |
| Provision for loan losses | 15,000 | 30,000 | 35,000 | 185,000 |
| Pretax income | 378,000 | 766,000 | 1,169,000 | 1,439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 378,000 | 766,000 | 1,169,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,023,000 | 13,409,000 | 13,813,000 | 14,083,000 |
| Total capital | 13,856,000 | 14,269,000 | 14,693,000 | 14,842,000 |
| Risk-weighted assets | 69,639,000 | 71,769,000 | 73,420,000 | 74,096,000 |
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