Call reports 2011
MOUNT VERNON BANK AND TRUST COMPANY — 2011
What MOUNT VERNON BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,066,000 | 93,712,000 | 90,698,000 | 94,865,000 |
| Total loans | 56,232,000 | 57,810,000 | 58,295,000 | 58,519,000 |
| Allowance for loan losses | 686,000 | 705,000 | 704,000 | 776,000 |
| Securities available for sale | 29,058,000 | 29,696,000 | 26,817,000 | 30,513,000 |
| Securities held to maturity | 1,663,000 | 1,173,000 | 1,032,000 | 886,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,692,000 | 77,059,000 | 73,786,000 | 78,298,000 |
| Interest-bearing deposits | 70,463,000 | 68,670,000 | 64,463,000 | 69,295,000 |
| Noninterest-bearing deposits | 8,229,000 | 8,389,000 | 9,323,000 | 9,003,000 |
| Equity capital | 12,368,000 | 12,624,000 | 12,699,000 | 12,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 998,000 | 2,042,000 | 3,077,000 | 4,103,000 |
| Interest expense | 202,000 | 404,000 | 586,000 | 756,000 |
| Net interest income | 796,000 | 1,638,000 | 2,491,000 | 3,347,000 |
| Noninterest income | 392,000 | 620,000 | 739,000 | 839,000 |
| Noninterest expense | 495,000 | 1,085,000 | 1,658,000 | 2,274,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 100,000 |
| Pretax income | 693,000 | 1,148,000 | 1,568,000 | 1,842,000 |
| Income tax | 125,000 | 441,000 | 560,000 | 578,000 |
| Net income | 568,000 | 707,000 | 1,008,000 | 1,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,233,000 | 12,328,000 | 12,347,000 | 12,562,000 |
| Total capital | 12,919,000 | 13,033,000 | 13,051,000 | 13,338,000 |
| Risk-weighted assets | 65,012,000 | 68,469,000 | 62,518,000 | 64,096,000 |