Call reports 2013
MONTICELLO BANKING COMPANY — 2013
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 553,011,000 | 534,730,000 | 551,597,000 | 545,937,000 |
| Total loans | 335,742,000 | 329,928,000 | 331,486,000 | 338,275,000 |
| Allowance for loan losses | 5,666,000 | 5,693,000 | 5,834,000 | 5,465,000 |
| Securities available for sale | 149,217,000 | 147,531,000 | 157,334,000 | 152,763,000 |
| Securities held to maturity | 60,000 | 30,000 | 30,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,777,000 | 479,298,000 | 477,488,000 | 461,195,000 |
| Interest-bearing deposits | 465,683,000 | 451,878,000 | 451,645,000 | 437,912,000 |
| Noninterest-bearing deposits | 30,094,000 | 27,420,000 | 25,843,000 | 23,283,000 |
| Equity capital | 55,920,000 | 53,912,000 | 52,352,000 | 53,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,854,000 | 11,632,000 | 17,460,000 | 23,350,000 |
| Interest expense | 1,114,000 | 2,102,000 | 3,010,000 | 3,833,000 |
| Net interest income | 4,740,000 | 9,530,000 | 14,450,000 | 19,517,000 |
| Noninterest income | 1,110,000 | 2,134,000 | 3,356,000 | 5,008,000 |
| Noninterest expense | 4,006,000 | 7,944,000 | 11,772,000 | 16,014,000 |
| Provision for loan losses | 801,000 | 1,368,000 | 2,078,000 | 2,628,000 |
| Pretax income | 1,043,000 | 2,621,000 | 4,225,000 | 6,152,000 |
| Income tax | 197,000 | 530,000 | 946,000 | 1,531,000 |
| Net income | 846,000 | 2,091,000 | 3,279,000 | 4,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,648,000 | 53,251,000 | 53,796,000 | 54,497,000 |
| Total capital | 57,335,000 | 57,892,000 | 58,515,000 | 59,255,000 |
| Risk-weighted assets | 373,954,000 | 370,209,000 | 376,399,000 | 379,949,000 |