Call reports 2012
MONTICELLO BANKING COMPANY — 2012
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 594,090,000 | 585,739,000 | 562,962,000 | 557,507,000 |
| Total loans | 356,214,000 | 352,498,000 | 348,586,000 | 345,998,000 |
| Allowance for loan losses | 5,405,000 | 5,466,000 | 5,236,000 | 5,285,000 |
| Securities available for sale | 146,751,000 | 152,045,000 | 148,862,000 | 145,897,000 |
| Securities held to maturity | 85,000 | 60,000 | 60,000 | 60,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 539,645,000 | 528,430,000 | 504,961,000 | 499,442,000 |
| Interest-bearing deposits | 502,983,000 | 499,914,000 | 482,247,000 | 475,308,000 |
| Noninterest-bearing deposits | 36,662,000 | 28,516,000 | 22,714,000 | 24,134,000 |
| Equity capital | 53,599,000 | 55,497,000 | 56,095,000 | 56,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,590,000 | 13,096,000 | 19,309,000 | 25,498,000 |
| Interest expense | 1,609,000 | 3,097,000 | 4,465,000 | 5,710,000 |
| Net interest income | 4,981,000 | 9,999,000 | 14,844,000 | 19,788,000 |
| Noninterest income | 943,000 | 1,972,000 | 3,088,000 | 4,885,000 |
| Noninterest expense | 4,027,000 | 7,965,000 | 11,758,000 | 15,536,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 3,000,000 | 4,513,000 |
| Pretax income | 1,001,000 | 2,414,000 | 4,032,000 | 5,481,000 |
| Income tax | 106,000 | 519,000 | 941,000 | 1,328,000 |
| Net income | 895,000 | 1,895,000 | 3,091,000 | 4,153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,691,000 | 51,191,000 | 51,887,000 | 52,448,000 |
| Total capital | 55,558,000 | 56,070,000 | 56,735,000 | 57,228,000 |
| Risk-weighted assets | 388,837,000 | 389,737,000 | 387,487,000 | 381,928,000 |