Call reports 2010
MONTICELLO BANKING COMPANY — 2010
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 573,405,000 | 578,760,000 | 601,113,000 | 605,766,000 |
| Total loans | 381,846,000 | 389,279,000 | 393,122,000 | 390,881,000 |
| Allowance for loan losses | 4,690,000 | 4,852,000 | 5,119,000 | 6,575,000 |
| Securities available for sale | 116,216,000 | 139,842,000 | 137,011,000 | 127,948,000 |
| Securities held to maturity | 175,000 | 150,000 | 130,000 | 130,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,924,000 | 529,323,000 | 549,426,000 | 556,278,000 |
| Interest-bearing deposits | 500,333,000 | 503,776,000 | 522,082,000 | 532,266,000 |
| Noninterest-bearing deposits | 24,591,000 | 25,547,000 | 27,344,000 | 24,012,000 |
| Equity capital | 46,687,000 | 47,459,000 | 48,824,000 | 47,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 7,042,000 | 14,332,000 | 21,691,000 | 28,906,000 |
| Interest expense | 2,329,000 | 4,721,000 | 7,053,000 | 9,489,000 |
| Net interest income | 4,713,000 | 9,611,000 | 14,638,000 | 19,417,000 |
| Noninterest income | 1,125,000 | 2,150,000 | 3,467,000 | 5,202,000 |
| Noninterest expense | 4,304,000 | 8,364,000 | 12,443,000 | 16,575,000 |
| Provision for loan losses | 800,000 | 1,600,000 | 2,500,000 | 4,200,000 |
| Pretax income | 738,000 | 1,802,000 | 3,167,000 | 5,268,000 |
| Income tax | 18,000 | 129,000 | 363,000 | 1,058,000 |
| Net income | 720,000 | 1,673,000 | 2,804,000 | 4,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,489,000 | 45,032,000 | 45,734,000 | 48,709,000 |
| Total capital | 49,179,000 | 49,884,000 | 50,853,000 | 54,124,000 |
| Risk-weighted assets | 421,990,000 | 427,614,000 | 432,982,000 | 432,015,000 |