Call reports 2003
BANK OF MONTICELLO — 2003
What BANK OF MONTICELLO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,488,000 | 62,375,000 | 62,109,000 | 63,818,000 |
| Total loans | 47,479,000 | 46,904,000 | 46,557,000 | 46,353,000 |
| Allowance for loan losses | 506,000 | 576,000 | 580,000 | 579,000 |
| Securities available for sale | 6,970,000 | 7,005,000 | 7,291,000 | 6,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,445,000 | 52,018,000 | 51,806,000 | 54,176,000 |
| Interest-bearing deposits | 47,447,000 | 46,986,000 | 46,790,000 | 47,963,000 |
| Noninterest-bearing deposits | 4,998,000 | 5,032,000 | 5,016,000 | 6,213,000 |
| Equity capital | 6,702,000 | 6,747,000 | 6,880,000 | 6,906,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 988,000 | 1,973,000 | 2,936,000 | 3,871,000 |
| Interest expense | 374,000 | 734,000 | 1,091,000 | 1,400,000 |
| Net interest income | 614,000 | 1,239,000 | 1,845,000 | 2,471,000 |
| Noninterest income | 173,000 | 360,000 | 562,000 | 740,000 |
| Noninterest expense | 503,000 | 1,019,000 | 1,522,000 | 2,080,000 |
| Provision for loan losses | 90,000 | 165,000 | 235,000 | 292,000 |
| Pretax income | 194,000 | 415,000 | 650,000 | 815,000 |
| Income tax | 62,000 | 130,000 | 199,000 | 218,000 |
| Net income | 132,000 | 285,000 | 451,000 | 597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,761,000 | 5,806,000 | 5,986,000 | 6,045,000 |
| Total capital | 5,798,000 | 5,898,000 | 6,052,000 | 6,124,000 |
| Risk-weighted assets | 48,623,000 | 48,112,000 | 45,485,000 | 49,141,000 |
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