Call reports 2004
MONTICELLO BANKING COMPANY — 2004
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 330,292,000 | 336,610,000 | 339,166,000 | 343,975,000 |
| Total loans | 251,334,000 | 260,337,000 | 258,782,000 | 266,887,000 |
| Allowance for loan losses | 3,162,000 | 3,202,000 | 3,262,000 | 3,440,000 |
| Securities available for sale | 53,786,000 | 53,719,000 | 57,035,000 | 54,596,000 |
| Securities held to maturity | 1,051,000 | 1,036,000 | 695,000 | 695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,243,000 | 299,318,000 | 301,115,000 | 301,539,000 |
| Interest-bearing deposits | 265,285,000 | 263,353,000 | 265,408,000 | 268,584,000 |
| Noninterest-bearing deposits | 31,958,000 | 35,965,000 | 35,707,000 | 32,955,000 |
| Equity capital | 27,605,000 | 26,869,000 | 28,518,000 | 28,846,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,867,000 | 9,808,000 | 14,868,000 | 20,145,000 |
| Interest expense | 1,582,000 | 3,126,000 | 4,678,000 | 6,278,000 |
| Net interest income | 3,285,000 | 6,682,000 | 10,190,000 | 13,867,000 |
| Noninterest income | 728,000 | 1,502,000 | 2,320,000 | 3,166,000 |
| Noninterest expense | 2,486,000 | 5,131,000 | 7,834,000 | 10,628,000 |
| Provision for loan losses | 297,000 | 637,000 | 921,000 | 1,249,000 |
| Pretax income | 1,230,000 | 2,416,000 | 3,755,000 | 5,221,000 |
| Income tax | 319,000 | 649,000 | 1,006,000 | 1,416,000 |
| Net income | 911,000 | 1,767,000 | 2,749,000 | 3,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,786,000 | 27,243,000 | 27,925,000 | 28,655,000 |
| Total capital | 29,948,000 | 30,445,000 | 31,166,000 | 31,997,000 |
| Risk-weighted assets | 253,260,000 | 262,084,000 | 259,285,000 | 267,287,000 |
Machine access — free, no API key
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