Call reports 2012
MOUNT VERNON BANK AND TRUST COMPANY — 2012
What MOUNT VERNON BANK AND TRUST COMPANY 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 | 98,104,000 | 97,220,000 | 95,006,000 | 102,422,000 |
| Total loans | 59,620,000 | 60,424,000 | 60,347,000 | 61,969,000 |
| Allowance for loan losses | 778,000 | 806,000 | 705,000 | 779,000 |
| Securities available for sale | 30,059,000 | 31,349,000 | 29,243,000 | 28,796,000 |
| Securities held to maturity | 605,000 | 262,000 | 260,000 | 260,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,926,000 | 79,944,000 | 77,922,000 | 85,518,000 |
| Interest-bearing deposits | 71,070,000 | 70,541,000 | 67,659,000 | 73,803,000 |
| Noninterest-bearing deposits | 9,856,000 | 9,403,000 | 10,263,000 | 11,715,000 |
| Equity capital | 13,394,000 | 13,694,000 | 13,727,000 | 13,753,000 |
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 | 1,015,000 | 2,024,000 | 2,981,000 | 3,924,000 |
| Interest expense | 165,000 | 315,000 | 455,000 | 590,000 |
| Net interest income | 850,000 | 1,709,000 | 2,526,000 | 3,334,000 |
| Noninterest income | 284,000 | 554,000 | 749,000 | 896,000 |
| Noninterest expense | 503,000 | 1,130,000 | 1,763,000 | 2,397,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 100,000 |
| Pretax income | 631,000 | 1,108,000 | 1,502,000 | 1,748,000 |
| Income tax | 138,000 | 277,000 | 415,000 | 539,000 |
| Net income | 493,000 | 831,000 | 1,087,000 | 1,205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,006,000 | 13,294,000 | 13,266,000 | 13,336,000 |
| Total capital | 13,784,000 | 14,100,000 | 13,971,000 | 14,036,000 |
| Risk-weighted assets | 65,985,000 | 66,319,000 | 66,658,000 | 67,100,000 |