Call reports 2022
MONTICELLO BANKING COMPANY — 2022
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,027,614,000 | 1,059,344,000 | 1,096,397,000 | 1,156,139,000 |
| Total loans | 666,557,000 | 697,477,000 | 739,026,000 | 793,176,000 |
| Allowance for loan losses | 8,324,000 | 8,162,000 | 8,231,000 | 8,522,000 |
| Securities available for sale | 281,376,000 | 264,028,000 | 258,274,000 | 262,847,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 924,082,000 | 960,931,000 | 955,444,000 | 941,700,000 |
| Interest-bearing deposits | 830,588,000 | 852,816,000 | 856,077,000 | 845,440,000 |
| Noninterest-bearing deposits | 93,494,000 | 108,115,000 | 99,367,000 | 96,260,000 |
| Equity capital | 73,344,000 | 57,658,000 | 55,130,000 | 64,025,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 8,616,000 | 17,825,000 | 27,952,000 | 39,113,000 |
| Interest expense | 652,000 | 1,379,000 | 2,438,000 | 4,601,000 |
| Net interest income | 7,964,000 | 16,446,000 | 25,514,000 | 34,512,000 |
| Noninterest income | 1,447,000 | 3,780,000 | 5,275,000 | 6,802,000 |
| Noninterest expense | 6,096,000 | 12,896,000 | 19,079,000 | 24,643,000 |
| Provision for loan losses | 0 | -100,000 | 255,000 | 555,000 |
| Pretax income | 3,315,000 | 7,438,000 | 11,463,000 | 16,124,000 |
| Income tax | 585,000 | 1,356,000 | 2,095,000 | 2,969,000 |
| Net income | 2,730,000 | 6,082,000 | 9,368,000 | 13,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,350,000 | 87,719,000 | 91,083,000 | 94,980,000 |
| Total capital | — | — | 99,314,000 | 103,502,000 |
| Risk-weighted assets | — | — | 903,270,000 | 952,051,000 |