Call reports 2017
MONTICELLO BANKING COMPANY — 2017
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 700,517,000 | 696,935,000 | 694,049,000 | 693,307,000 |
| Total loans | 452,111,000 | 463,285,000 | 458,678,000 | 470,044,000 |
| Allowance for loan losses | 4,990,000 | 5,201,000 | 5,344,000 | 4,919,000 |
| Securities available for sale | 167,525,000 | 158,240,000 | 159,612,000 | 153,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 612,367,000 | 605,431,000 | 611,361,000 | 601,687,000 |
| Interest-bearing deposits | 532,360,000 | 532,634,000 | 527,970,000 | 527,720,000 |
| Noninterest-bearing deposits | 80,007,000 | 72,797,000 | 83,391,000 | 73,967,000 |
| Equity capital | 69,106,000 | 73,233,000 | 74,280,000 | 74,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 6,823,000 | 13,692,000 | 20,589,000 | 27,504,000 |
| Interest expense | 688,000 | 1,378,000 | 2,118,000 | 2,893,000 |
| Net interest income | 6,135,000 | 12,314,000 | 18,471,000 | 24,611,000 |
| Noninterest income | 1,215,000 | 2,525,000 | 3,930,000 | 5,382,000 |
| Noninterest expense | 5,299,000 | 10,288,000 | 15,097,000 | 19,990,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 926,000 |
| Pretax income | 1,828,000 | 4,316,000 | 6,845,000 | 9,293,000 |
| Income tax | 374,000 | 870,000 | 1,381,000 | 1,811,000 |
| Net income | 1,454,000 | 3,446,000 | 5,464,000 | 7,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,004,000 | 70,762,000 | 72,138,000 | 73,518,000 |
| Total capital | 73,994,000 | 75,963,000 | 77,482,000 | 78,437,000 |
| Risk-weighted assets | 497,107,000 | 506,682,000 | 497,360,000 | 515,073,000 |