Call reports 2021
MONTICELLO BANKING COMPANY — 2021
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 977,624,000 | 989,849,000 | 990,069,000 | 1,006,405,000 |
| Total loans | 627,685,000 | 624,108,000 | 625,637,000 | 635,631,000 |
| Allowance for loan losses | 7,341,000 | 7,964,000 | 8,365,000 | 8,307,000 |
| Securities available for sale | 207,725,000 | 264,138,000 | 276,778,000 | 295,891,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 860,390,000 | 881,936,000 | 894,257,000 | 899,348,000 |
| Interest-bearing deposits | 776,958,000 | 795,522,000 | 807,832,000 | 811,617,000 |
| Noninterest-bearing deposits | 83,432,000 | 86,414,000 | 86,425,000 | 87,731,000 |
| Equity capital | 87,166,000 | 91,255,000 | 93,315,000 | 95,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 8,183,000 | 16,990,000 | 26,198,000 | 35,986,000 |
| Interest expense | 1,106,000 | 2,106,000 | 2,950,000 | 3,666,000 |
| Net interest income | 7,077,000 | 14,884,000 | 23,248,000 | 32,320,000 |
| Noninterest income | 1,758,000 | 3,293,000 | 4,922,000 | 6,903,000 |
| Noninterest expense | 5,313,000 | 11,137,000 | 17,434,000 | 23,429,000 |
| Provision for loan losses | 300,000 | 890,000 | 1,190,000 | 1,136,000 |
| Pretax income | 3,222,000 | 6,150,000 | 9,546,000 | 14,872,000 |
| Income tax | 564,000 | 1,082,000 | 1,680,000 | 2,695,000 |
| Net income | 2,658,000 | 5,068,000 | 7,866,000 | 12,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,949,000 | 86,449,000 | 88,314,000 | 91,716,000 |