Call reports 2008
MONTICELLO BANKING COMPANY — 2008
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 479,960,000 | 485,426,000 | 500,486,000 | 517,826,000 |
| Total loans | 327,239,000 | 338,063,000 | 354,645,000 | 370,865,000 |
| Allowance for loan losses | 4,189,000 | 4,138,000 | 4,105,000 | 4,220,000 |
| Securities available for sale | 109,865,000 | 106,536,000 | 104,929,000 | 104,711,000 |
| Securities held to maturity | 289,000 | 270,000 | 210,000 | 209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 439,086,000 | 430,024,000 | 427,846,000 | 440,903,000 |
| Interest-bearing deposits | 414,275,000 | 405,148,000 | 405,677,000 | 419,092,000 |
| Noninterest-bearing deposits | 24,811,000 | 24,876,000 | 22,169,000 | 21,811,000 |
| Equity capital | 39,062,000 | 38,435,000 | 39,216,000 | 40,901,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,546,000 | 14,986,000 | 22,482,000 | 29,947,000 |
| Interest expense | 3,852,000 | 7,304,000 | 10,618,000 | 13,935,000 |
| Net interest income | 3,694,000 | 7,682,000 | 11,864,000 | 16,012,000 |
| Noninterest income | 1,166,000 | 2,513,000 | 3,738,000 | 5,140,000 |
| Noninterest expense | 3,518,000 | 7,183,000 | 10,838,000 | 14,616,000 |
| Provision for loan losses | 249,000 | 498,000 | 864,000 | 1,447,000 |
| Pretax income | 1,093,000 | 2,531,000 | 3,916,000 | 5,105,000 |
| Income tax | 164,000 | 429,000 | 677,000 | 803,000 |
| Net income | 929,000 | 2,102,000 | 3,239,000 | 4,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,097,000 | 38,920,000 | 39,707,000 | 40,470,000 |
| Total capital | 42,286,000 | 43,058,000 | 43,812,000 | 44,690,000 |
| Risk-weighted assets | 365,704,000 | 375,373,000 | 390,910,000 | 404,598,000 |
Machine access — free, no API key
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