Call reports 2006
MOUNT VERNON BANK AND TRUST COMPANY — 2006
What MOUNT VERNON BANK AND TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,038,000 | 64,350,000 | 65,675,000 | 68,740,000 |
| Total loans | 43,988,000 | 45,055,000 | 45,413,000 | 45,989,000 |
| Allowance for loan losses | 564,000 | 565,000 | 565,000 | 575,000 |
| Securities available for sale | 6,570,000 | 8,168,000 | 10,537,000 | 10,161,000 |
| Securities held to maturity | 9,389,000 | 7,709,000 | 6,695,000 | 4,690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,539,000 | 53,858,000 | 54,224,000 | 57,916,000 |
| Interest-bearing deposits | 45,152,000 | 47,630,000 | 48,242,000 | 51,357,000 |
| Noninterest-bearing deposits | 7,387,000 | 6,228,000 | 5,982,000 | 6,559,000 |
| Equity capital | 9,265,000 | 9,335,000 | 9,501,000 | 9,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,718,000 | 2,641,000 | 3,610,000 |
| Interest expense | 268,000 | 565,000 | 907,000 | 1,283,000 |
| Net interest income | 577,000 | 1,153,000 | 1,734,000 | 2,327,000 |
| Noninterest income | 117,000 | 214,000 | 323,000 | 437,000 |
| Noninterest expense | 454,000 | 888,000 | 1,347,000 | 1,795,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 240,000 | 479,000 | 710,000 | 961,000 |
| Income tax | 84,000 | 168,000 | 252,000 | 332,000 |
| Net income | 156,000 | 311,000 | 458,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,304,000 | 9,424,000 | 9,537,000 | 9,480,000 |
| Total capital | 9,788,000 | 9,919,000 | 10,032,000 | 9,986,000 |
| Risk-weighted assets | 38,638,000 | 39,508,000 | 39,507,000 | 40,413,000 |