Call reports 2016
MONTICELLO BANKING COMPANY — 2016
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 568,063,000 | 565,864,000 | 554,639,000 | 572,243,000 |
| Total loans | 365,016,000 | 365,539,000 | 370,880,000 | 388,597,000 |
| Allowance for loan losses | 5,180,000 | 4,995,000 | 4,913,000 | 4,798,000 |
| Securities available for sale | 126,923,000 | 135,967,000 | 124,006,000 | 121,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 506,276,000 | 501,542,000 | 490,137,000 | 496,764,000 |
| Interest-bearing deposits | 467,602,000 | 461,754,000 | 448,326,000 | 452,014,000 |
| Noninterest-bearing deposits | 38,674,000 | 39,788,000 | 41,811,000 | 44,750,000 |
| Equity capital | 59,662,000 | 61,454,000 | 61,728,000 | 54,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,526,000 | 11,073,000 | 16,671,000 | 22,248,000 |
| Interest expense | 719,000 | 1,446,000 | 2,126,000 | 2,790,000 |
| Net interest income | 4,807,000 | 9,627,000 | 14,545,000 | 19,458,000 |
| Noninterest income | 1,150,000 | 2,269,000 | 3,470,000 | 4,767,000 |
| Noninterest expense | 4,251,000 | 8,350,000 | 12,423,000 | 16,453,000 |
| Provision for loan losses | 0 | 150,000 | 300,000 | 475,000 |
| Pretax income | 1,803,000 | 3,519,000 | 5,579,000 | 7,587,000 |
| Income tax | 363,000 | 669,000 | 1,075,000 | 1,474,000 |
| Net income | 1,440,000 | 2,850,000 | 4,504,000 | 6,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,075,000 | 58,785,000 | 59,739,000 | 55,649,000 |
| Total capital | 63,090,000 | 63,780,000 | 64,652,000 | 60,447,000 |
| Risk-weighted assets | 401,053,000 | 408,071,000 | 407,386,000 | 426,653,000 |