Call reports 2015
MOUNT VERNON BANK — 2015
What MOUNT VERNON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,834,000 | 133,811,000 | 132,402,000 | 135,235,000 |
| Total loans | 61,011,000 | 59,041,000 | 59,874,000 | 65,204,000 |
| Allowance for loan losses | 772,000 | 805,000 | 781,000 | 806,000 |
| Securities available for sale | 38,176,000 | 39,563,000 | 42,308,000 | 42,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,504,000 | 118,979,000 | 116,863,000 | 119,639,000 |
| Interest-bearing deposits | 94,663,000 | 94,633,000 | 92,911,000 | 102,495,000 |
| Noninterest-bearing deposits | 22,841,000 | 24,346,000 | 23,952,000 | 17,144,000 |
| Equity capital | 13,962,000 | 13,403,000 | 13,997,000 | 14,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,340,000 | 3,563,000 | 4,820,000 |
| Interest expense | 141,000 | 287,000 | 428,000 | 571,000 |
| Net interest income | 1,063,000 | 2,053,000 | 3,135,000 | 4,249,000 |
| Noninterest income | 226,000 | 440,000 | 644,000 | 860,000 |
| Noninterest expense | 888,000 | 1,767,000 | 2,691,000 | 3,642,000 |
| Provision for loan losses | 7,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 410,000 | 749,000 | 1,115,000 | 1,497,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 410,000 | 749,000 | 1,115,000 | 1,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,593,000 | 13,565,000 | 13,738,000 | 13,730,000 |
| Total capital | 14,365,000 | 14,348,000 | 14,519,000 | 14,536,000 |
| Risk-weighted assets | 67,498,000 | 62,617,000 | 70,842,000 | 76,851,000 |