Call reports 2019
MONTICELLO BANKING COMPANY — 2019
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 748,070,000 | 744,569,000 | 764,178,000 | 766,200,000 |
| Total loans | 550,694,000 | 564,591,000 | 575,692,000 | 590,193,000 |
| Allowance for loan losses | 5,549,000 | 5,586,000 | 5,849,000 | 5,968,000 |
| Securities available for sale | 116,993,000 | 99,817,000 | 99,179,000 | 97,777,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 659,594,000 | 654,055,000 | 663,592,000 | 644,359,000 |
| Interest-bearing deposits | 596,241,000 | 564,594,000 | 603,324,000 | 588,053,000 |
| Noninterest-bearing deposits | 63,353,000 | 89,461,000 | 60,268,000 | 56,306,000 |
| Equity capital | 82,105,000 | 84,384,000 | 81,552,000 | 82,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,860,000 | 15,855,000 | 24,104,000 | 32,413,000 |
| Interest expense | 1,115,000 | 2,318,000 | 3,657,000 | 5,095,000 |
| Net interest income | 6,745,000 | 13,537,000 | 20,447,000 | 27,318,000 |
| Noninterest income | 1,294,000 | 2,772,000 | 4,182,000 | 5,706,000 |
| Noninterest expense | 5,705,000 | 11,554,000 | 17,314,000 | 22,920,000 |
| Provision for loan losses | 250,000 | 675,000 | 1,100,000 | 1,450,000 |
| Pretax income | 2,088,000 | 4,246,000 | 6,381,000 | 8,830,000 |
| Income tax | 106,000 | 429,000 | 847,000 | 1,210,000 |
| Net income | 1,982,000 | 3,817,000 | 5,534,000 | 7,620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 80,510,000 | 81,528,000 | 78,390,000 | 79,014,000 |
| Total capital | 86,059,000 | 87,114,000 | 84,239,000 | 84,982,000 |
| Risk-weighted assets | 606,943,000 | 608,442,000 | 620,948,000 | 638,334,000 |