Call reports 2025
MONTICELLO BANKING COMPANY — 2025
What MONTICELLO BANKING COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,169,330,000 | 1,159,076,000 | 1,149,966,000 | 1,140,123,000 |
| Total loans | 849,359,000 | 841,851,000 | 841,764,000 | 819,384,000 |
| Allowance for loan losses | 9,564,000 | 9,535,000 | 9,420,000 | 9,251,000 |
| Securities available for sale | 229,205,000 | 222,145,000 | 216,226,000 | 214,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 943,764,000 | 962,598,000 | 942,933,000 | 938,702,000 |
| Interest-bearing deposits | 879,381,000 | 890,640,000 | 870,831,000 | 869,726,000 |
| Noninterest-bearing deposits | 64,383,000 | 71,958,000 | 72,102,000 | 68,976,000 |
| Equity capital | 89,920,000 | 90,528,000 | 90,553,000 | 95,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 14,261,000 | 28,992,000 | 43,822,000 | 58,644,000 |
| Interest expense | 5,499,000 | 11,011,000 | 16,460,000 | 21,656,000 |
| Net interest income | 8,762,000 | 17,981,000 | 27,362,000 | 36,988,000 |
| Noninterest income | 1,466,000 | 2,910,000 | 4,480,000 | 6,252,000 |
| Noninterest expense | 7,023,000 | 13,866,000 | 21,158,000 | 28,133,000 |
| Provision for loan losses | 0 | 0 | 50,000 | -267,000 |
| Pretax income | 3,205,000 | 7,025,000 | 10,747,000 | 15,450,000 |
| Income tax | 605,000 | 1,345,000 | 2,090,000 | 3,010,000 |
| Net income | 2,600,000 | 5,680,000 | 8,657,000 | 12,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,765,000 | 117,600,000 | 112,809,000 | 115,347,000 |