Call reports 2011
MONTICELLO BANKING COMPANY — 2011
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 607,565,000 | 602,379,000 | 601,938,000 | 591,189,000 |
| Total loans | 377,637,000 | 367,663,000 | 367,528,000 | 357,786,000 |
| Allowance for loan losses | 6,239,000 | 5,710,000 | 5,666,000 | 5,094,000 |
| Securities available for sale | 141,221,000 | 149,580,000 | 144,330,000 | 139,204,000 |
| Securities held to maturity | 130,000 | 105,000 | 85,000 | 85,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,680,000 | 548,902,000 | 546,457,000 | 535,687,000 |
| Interest-bearing deposits | 529,045,000 | 522,979,000 | 516,407,000 | 510,695,000 |
| Noninterest-bearing deposits | 27,635,000 | 25,923,000 | 30,050,000 | 24,992,000 |
| Equity capital | 49,467,000 | 52,000,000 | 53,840,000 | 53,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 7,099,000 | 14,305,000 | 21,353,000 | 28,043,000 |
| Interest expense | 2,338,000 | 4,639,000 | 6,881,000 | 8,660,000 |
| Net interest income | 4,761,000 | 9,666,000 | 14,472,000 | 19,383,000 |
| Noninterest income | 949,000 | 1,939,000 | 3,050,000 | 4,456,000 |
| Noninterest expense | 4,117,000 | 8,098,000 | 12,261,000 | 15,859,000 |
| Provision for loan losses | 735,000 | 1,470,000 | 2,505,000 | 5,572,000 |
| Pretax income | 858,000 | 2,039,000 | 3,005,000 | 3,192,000 |
| Income tax | 76,000 | -16,000 | 65,000 | -109,000 |
| Net income | 782,000 | 2,055,000 | 2,940,000 | 3,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,142,000 | 49,954,000 | 50,386,000 | 50,296,000 |
| Total capital | 54,362,000 | 55,041,000 | 55,431,000 | 55,201,000 |
| Risk-weighted assets | 416,617,000 | 406,314,000 | 402,980,000 | 392,179,000 |