Call reports 2007
MONTICELLO BANKING COMPANY — 2007
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 445,766,000 | 445,283,000 | 468,755,000 | 473,071,000 |
| Total loans | 313,180,000 | 311,268,000 | 317,598,000 | 323,251,000 |
| Allowance for loan losses | 3,884,000 | 4,036,000 | 3,882,000 | 4,118,000 |
| Securities available for sale | 94,946,000 | 99,999,000 | 106,592,000 | 109,615,000 |
| Securities held to maturity | 369,000 | 349,000 | 289,000 | 289,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 409,126,000 | 409,049,000 | 430,124,000 | 433,038,000 |
| Interest-bearing deposits | 377,646,000 | 386,580,000 | 405,612,000 | 409,835,000 |
| Noninterest-bearing deposits | 31,480,000 | 22,469,000 | 24,512,000 | 23,203,000 |
| Equity capital | 34,678,000 | 34,364,000 | 36,295,000 | 37,955,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,459,000 | 15,091,000 | 22,979,000 | 30,680,000 |
| Interest expense | 3,820,000 | 7,730,000 | 11,902,000 | 15,998,000 |
| Net interest income | 3,639,000 | 7,361,000 | 11,077,000 | 14,682,000 |
| Noninterest income | 913,000 | 1,955,000 | 3,099,000 | 4,757,000 |
| Noninterest expense | 3,091,000 | 6,182,000 | 9,355,000 | 12,914,000 |
| Provision for loan losses | 236,000 | 504,000 | 708,000 | 944,000 |
| Pretax income | 1,225,000 | 2,629,000 | 4,112,000 | 5,583,000 |
| Income tax | 285,000 | 519,000 | 849,000 | 1,141,000 |
| Net income | 940,000 | 2,110,000 | 3,263,000 | 4,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,811,000 | 35,981,000 | 36,765,000 | 37,518,000 |
| Total capital | 38,695,000 | 40,017,000 | 40,647,000 | 41,636,000 |
| Risk-weighted assets | 337,499,000 | 337,756,000 | 355,637,000 | 361,561,000 |
Machine access — free, no API key
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