Call reports 2015
MOUNT VERNON BANK AND TRUST COMPANY — 2015
What MOUNT VERNON BANK AND TRUST COMPANY 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 | 108,858,000 | 110,887,000 | 111,315,000 | 111,474,000 |
| Total loans | 70,044,000 | 72,263,000 | 74,201,000 | 77,720,000 |
| Allowance for loan losses | 882,000 | 881,000 | 875,000 | 949,000 |
| Securities available for sale | 27,245,000 | 27,652,000 | 30,912,000 | 26,317,000 |
| Securities held to maturity | 135,000 | 70,000 | 70,000 | 70,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,569,000 | 90,581,000 | 89,475,000 | 89,114,000 |
| Interest-bearing deposits | 76,527,000 | 78,914,000 | 77,344,000 | 76,662,000 |
| Noninterest-bearing deposits | 12,042,000 | 11,667,000 | 12,131,000 | 12,452,000 |
| Equity capital | 14,982,000 | 15,157,000 | 15,130,000 | 15,288,000 |
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 | 955,000 | 1,925,000 | 2,896,000 | 3,883,000 |
| Interest expense | 97,000 | 192,000 | 287,000 | 384,000 |
| Net interest income | 858,000 | 1,733,000 | 2,609,000 | 3,499,000 |
| Noninterest income | 155,000 | 285,000 | 358,000 | 550,000 |
| Noninterest expense | 518,000 | 1,046,000 | 1,658,000 | 2,300,000 |
| Provision for loan losses | 0 | 0 | 0 | 75,000 |
| Pretax income | 495,000 | 972,000 | 1,317,000 | 1,697,000 |
| Income tax | 134,000 | 266,000 | 422,000 | 535,000 |
| Net income | 361,000 | 706,000 | 895,000 | 1,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,825,000 | 15,115,000 | 15,071,000 | 15,310,000 |
| Total capital | 15,625,000 | 15,930,000 | 15,895,000 | 16,165,000 |
| Risk-weighted assets | 63,947,000 | 65,153,000 | 65,874,000 | 68,309,000 |