Call reports 2005
MONTICELLO BANKING COMPANY — 2005
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 350,782,000 | 360,540,000 | 368,463,000 | 378,279,000 |
| Total loans | 266,902,000 | 272,970,000 | 271,488,000 | 275,438,000 |
| Allowance for loan losses | 3,559,000 | 3,556,000 | 3,664,000 | 3,650,000 |
| Securities available for sale | 54,970,000 | 61,788,000 | 66,606,000 | 78,338,000 |
| Securities held to maturity | 569,000 | 554,000 | 464,000 | 464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,413,000 | 319,382,000 | 336,562,000 | 335,508,000 |
| Interest-bearing deposits | 276,169,000 | 280,579,000 | 297,433,000 | 299,130,000 |
| Noninterest-bearing deposits | 36,244,000 | 38,803,000 | 39,129,000 | 36,378,000 |
| Equity capital | 28,646,000 | 29,737,000 | 30,218,000 | 30,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,272,000 | 10,719,000 | 16,508,000 | 22,519,000 |
| Interest expense | 1,718,000 | 3,611,000 | 5,794,000 | 8,152,000 |
| Net interest income | 3,554,000 | 7,108,000 | 10,714,000 | 14,367,000 |
| Noninterest income | 778,000 | 1,660,000 | 2,511,000 | 3,560,000 |
| Noninterest expense | 2,774,000 | 5,653,000 | 8,482,000 | 11,315,000 |
| Provision for loan losses | 273,000 | 546,000 | 803,000 | 1,053,000 |
| Pretax income | 1,286,000 | 2,571,000 | 3,942,000 | 5,561,000 |
| Income tax | 350,000 | 691,000 | 1,060,000 | 1,539,000 |
| Net income | 936,000 | 1,880,000 | 2,882,000 | 4,022,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,926,000 | 29,544,000 | 30,236,000 | 30,927,000 |
| Total capital | 32,301,000 | 33,014,000 | 33,728,000 | 34,506,000 |
| Risk-weighted assets | 269,784,000 | 277,496,000 | 279,215,000 | 286,213,000 |
Machine access — free, no API key
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