Call reports 2018
MONTICELLO BANKING COMPANY — 2018
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 687,379,000 | 686,261,000 | 744,830,000 | 736,192,000 |
| Total loans | 476,167,000 | 482,192,000 | 527,670,000 | 542,503,000 |
| Allowance for loan losses | 5,213,000 | 5,500,000 | 5,487,000 | 5,271,000 |
| Securities available for sale | 134,267,000 | 135,007,000 | 130,034,000 | 119,451,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 611,594,000 | 611,523,000 | 661,007,000 | 650,773,000 |
| Interest-bearing deposits | 542,598,000 | 537,677,000 | 598,533,000 | 589,973,000 |
| Noninterest-bearing deposits | 68,996,000 | 73,846,000 | 62,474,000 | 60,800,000 |
| Equity capital | 73,128,000 | 72,177,000 | 76,882,000 | 79,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,735,000 | 13,823,000 | 21,795,000 | 29,646,000 |
| Interest expense | 781,000 | 1,627,000 | 2,742,000 | 3,844,000 |
| Net interest income | 5,954,000 | 12,196,000 | 19,053,000 | 25,802,000 |
| Noninterest income | 1,316,000 | 2,764,000 | 6,052,000 | 7,518,000 |
| Noninterest expense | 4,800,000 | 9,706,000 | 15,700,000 | 21,176,000 |
| Provision for loan losses | 250,000 | 475,000 | 700,000 | 925,000 |
| Pretax income | 2,235,000 | 4,794,000 | 8,720,000 | 11,266,000 |
| Income tax | 306,000 | 682,000 | 953,000 | 1,307,000 |
| Net income | 1,929,000 | 4,112,000 | 7,767,000 | 9,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,606,000 | 73,622,000 | 77,679,000 | 79,068,000 |
| Total capital | 79,819,000 | 79,122,000 | 83,166,000 | 84,339,000 |
| Risk-weighted assets | 530,635,000 | 539,439,000 | 580,701,000 | 598,830,000 |