Call reports 2002
BANK OF MONTICELLO — 2002
What BANK OF MONTICELLO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 60,371,000 | 59,578,000 | 61,824,000 | 61,776,000 |
| Total loans | 44,825,000 | 46,529,000 | 48,431,000 | 47,961,000 |
| Allowance for loan losses | 439,000 | 357,000 | 458,000 | 425,000 |
| Securities available for sale | 8,797,000 | 8,037,000 | 7,846,000 | 6,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,974,000 | 48,781,000 | 51,011,000 | 51,587,000 |
| Interest-bearing deposits | 45,420,000 | 44,380,000 | 46,382,000 | 47,030,000 |
| Noninterest-bearing deposits | 4,554,000 | 4,401,000 | 4,629,000 | 4,557,000 |
| Equity capital | 6,298,000 | 6,375,000 | 6,571,000 | 6,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,076,000 | 2,120,000 | 3,192,000 | 4,213,000 |
| Interest expense | 509,000 | 968,000 | 1,404,000 | 1,808,000 |
| Net interest income | 567,000 | 1,152,000 | 1,788,000 | 2,405,000 |
| Noninterest income | 143,000 | 257,000 | 422,000 | 591,000 |
| Noninterest expense | 505,000 | 992,000 | 1,516,000 | 2,043,000 |
| Provision for loan losses | 56,000 | 106,000 | 186,000 | 278,000 |
| Pretax income | 152,000 | 323,000 | 520,000 | 689,000 |
| Income tax | 49,000 | 88,000 | 157,000 | 154,000 |
| Net income | 103,000 | 235,000 | 363,000 | 535,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,382,000 | 5,438,000 | 5,601,000 | 5,616,000 |
| Total capital | 5,821,000 | 5,795,000 | 6,059,000 | 6,041,000 |
| Risk-weighted assets | 44,009,000 | 45,543,000 | 45,448,000 | 48,125,000 |
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