Call reports 2009
MONTICELLO BANKING COMPANY — 2009
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 543,457,000 | 545,192,000 | 543,283,000 | 568,279,000 |
| Total loans | 381,391,000 | 393,081,000 | 388,117,000 | 386,891,000 |
| Allowance for loan losses | 4,374,000 | 4,781,000 | 4,845,000 | 4,412,000 |
| Securities available for sale | 101,422,000 | 99,999,000 | 105,010,000 | 101,432,000 |
| Securities held to maturity | 209,000 | 190,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 499,106,000 | 500,225,000 | 494,643,000 | 519,757,000 |
| Interest-bearing deposits | 472,245,000 | 475,185,000 | 471,505,000 | 493,507,000 |
| Noninterest-bearing deposits | 26,861,000 | 25,040,000 | 23,138,000 | 26,250,000 |
| Equity capital | 42,259,000 | 42,589,000 | 45,442,000 | 46,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,312,000 | 14,618,000 | 22,008,000 | 29,150,000 |
| Interest expense | 2,745,000 | 5,362,000 | 7,937,000 | 10,393,000 |
| Net interest income | 4,567,000 | 9,256,000 | 14,071,000 | 18,757,000 |
| Noninterest income | 1,182,000 | 2,444,000 | 3,644,000 | 5,235,000 |
| Noninterest expense | 3,842,000 | 7,939,000 | 12,061,000 | 16,269,000 |
| Provision for loan losses | 400,000 | 1,150,000 | 1,780,000 | 2,538,000 |
| Pretax income | 1,817,000 | 2,926,000 | 4,184,000 | 5,493,000 |
| Income tax | 387,000 | 489,000 | 610,000 | 839,000 |
| Net income | 1,430,000 | 2,437,000 | 3,574,000 | 4,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,520,000 | 42,002,000 | 43,138,000 | 44,219,000 |
| Total capital | 45,894,000 | 46,783,000 | 47,983,000 | 48,631,000 |
| Risk-weighted assets | 416,766,000 | 424,940,000 | 422,313,000 | 429,439,000 |
Machine access — free, no API key
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