Call reports 2023
MONTICELLO BANKING COMPANY — 2023
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,164,339,000 | 1,177,201,000 | 1,178,451,000 | 1,198,688,000 |
| Total loans | 811,211,000 | 840,687,000 | 853,954,000 | 855,635,000 |
| Allowance for loan losses | 9,566,000 | 9,685,000 | 9,847,000 | 9,816,000 |
| Securities available for sale | 253,979,000 | 239,736,000 | 230,964,000 | 245,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 947,186,000 | 937,899,000 | 926,603,000 | 940,128,000 |
| Interest-bearing deposits | 857,088,000 | 855,660,000 | 843,626,000 | 868,255,000 |
| Noninterest-bearing deposits | 90,098,000 | 82,238,000 | 82,977,000 | 71,873,000 |
| Equity capital | 65,646,000 | 66,117,000 | 63,149,000 | 74,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 11,592,000 | 23,817,000 | 36,846,000 | 50,524,000 |
| Interest expense | 3,331,000 | 7,558,000 | 12,914,000 | 18,967,000 |
| Net interest income | 8,261,000 | 16,259,000 | 23,932,000 | 31,557,000 |
| Noninterest income | 1,403,000 | 2,902,000 | 4,495,000 | 6,011,000 |
| Noninterest expense | 6,790,000 | 13,370,000 | 20,110,000 | 26,540,000 |
| Provision for loan losses | 0 | 191,000 | 368,000 | 309,000 |
| Pretax income | 2,786,000 | 5,665,000 | 8,014,000 | 10,784,000 |
| Income tax | 474,000 | 1,002,000 | 1,437,000 | 1,950,000 |
| Net income | 2,312,000 | 4,663,000 | 6,577,000 | 8,834,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,220,000 | 96,589,000 | 97,521,000 | 98,847,000 |
| Total capital | 105,013,000 | 106,510,000 | 107,604,000 | 108,899,000 |
| Risk-weighted assets | 964,466,000 | 980,454,000 | 984,773,000 | 972,082,000 |