Call reports 2015
MONTICELLO BANKING COMPANY — 2015
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 543,193,000 | 549,018,000 | 555,191,000 | 560,028,000 |
| Total loans | 359,016,000 | 362,908,000 | 365,162,000 | 371,566,000 |
| Allowance for loan losses | 5,246,000 | 5,286,000 | 5,229,000 | 5,065,000 |
| Securities available for sale | 126,312,000 | 125,127,000 | 135,271,000 | 138,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 485,591,000 | 492,053,000 | 496,613,000 | 499,925,000 |
| Interest-bearing deposits | 458,685,000 | 461,167,000 | 469,741,000 | 461,346,000 |
| Noninterest-bearing deposits | 26,906,000 | 30,886,000 | 26,872,000 | 38,579,000 |
| Equity capital | 55,846,000 | 55,366,000 | 56,709,000 | 58,584,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,501,000 | 11,082,000 | 16,723,000 | 22,374,000 |
| Interest expense | 729,000 | 1,449,000 | 2,191,000 | 2,945,000 |
| Net interest income | 4,772,000 | 9,633,000 | 14,532,000 | 19,429,000 |
| Noninterest income | 1,463,000 | 2,672,000 | 3,879,000 | 5,169,000 |
| Noninterest expense | 4,135,000 | 8,430,000 | 12,584,000 | 16,775,000 |
| Provision for loan losses | 875,000 | 875,000 | 875,000 | 729,000 |
| Pretax income | 1,782,000 | 3,580,000 | 5,527,000 | 7,669,000 |
| Income tax | 402,000 | 770,000 | 1,153,000 | 1,610,000 |
| Net income | 1,380,000 | 2,810,000 | 4,374,000 | 6,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,756,000 | 55,486,000 | 56,350,000 | 57,335,000 |
| Total capital | 59,827,000 | 60,685,000 | 61,579,000 | 62,400,000 |
| Risk-weighted assets | 405,575,000 | 415,866,000 | 418,743,000 | 418,413,000 |