Call reports 2014
MONTICELLO BANKING COMPANY — 2014
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 559,354,000 | 560,138,000 | 540,362,000 | 531,673,000 |
| Total loans | 347,287,000 | 357,784,000 | 362,584,000 | 369,800,000 |
| Allowance for loan losses | 5,487,000 | 5,400,000 | 5,389,000 | 5,245,000 |
| Securities available for sale | 134,483,000 | 125,293,000 | 118,377,000 | 99,011,000 |
| Securities held to maturity | 30,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,177,000 | 471,705,000 | 474,054,000 | 474,763,000 |
| Interest-bearing deposits | 449,733,000 | 444,412,000 | 447,124,000 | 448,840,000 |
| Noninterest-bearing deposits | 23,444,000 | 27,293,000 | 26,930,000 | 25,923,000 |
| Equity capital | 54,510,000 | 56,536,000 | 54,756,000 | 55,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,758,000 | 11,637,000 | 17,508,000 | 23,427,000 |
| Interest expense | 765,000 | 1,557,000 | 2,394,000 | 3,194,000 |
| Net interest income | 4,993,000 | 10,080,000 | 15,114,000 | 20,233,000 |
| Noninterest income | 1,103,000 | 2,520,000 | 3,473,000 | 4,626,000 |
| Noninterest expense | 4,274,000 | 8,326,000 | 12,445,000 | 16,525,000 |
| Provision for loan losses | 500,000 | 900,000 | 1,100,000 | 1,500,000 |
| Pretax income | 1,470,000 | 3,501,000 | 5,177,000 | 7,294,000 |
| Income tax | 352,000 | 809,000 | 970,000 | 1,703,000 |
| Net income | 1,118,000 | 2,692,000 | 4,207,000 | 5,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,923,000 | 55,806,000 | 54,032,000 | 54,477,000 |
| Total capital | 59,692,000 | 60,556,000 | 58,760,000 | 59,219,000 |
| Risk-weighted assets | 380,769,000 | 379,318,000 | 377,556,000 | 378,822,000 |