Call reports 2004
BANK OF MONTICELLO — 2004
What BANK OF MONTICELLO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 61,863,000 | 62,066,000 | 61,372,000 | 63,278,000 |
| Total loans | 44,325,000 | 45,844,000 | 44,557,000 | 45,829,000 |
| Allowance for loan losses | 655,000 | 639,000 | 644,000 | 676,000 |
| Securities available for sale | 7,834,000 | 7,473,000 | 10,711,000 | 9,863,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,405,000 | 53,016,000 | 52,042,000 | 53,906,000 |
| Interest-bearing deposits | 47,355,000 | 47,773,000 | 46,566,000 | 47,564,000 |
| Noninterest-bearing deposits | 5,050,000 | 5,243,000 | 5,475,000 | 6,342,000 |
| Equity capital | 7,000,000 | 6,936,000 | 7,134,000 | 7,168,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,766,000 | 2,639,000 | 3,530,000 |
| Interest expense | 299,000 | 574,000 | 852,000 | 1,125,000 |
| Net interest income | 566,000 | 1,192,000 | 1,787,000 | 2,405,000 |
| Noninterest income | 165,000 | 325,000 | 510,000 | 708,000 |
| Noninterest expense | 535,000 | 1,102,000 | 1,681,000 | 2,223,000 |
| Provision for loan losses | 62,000 | 94,000 | 101,000 | 102,000 |
| Pretax income | 134,000 | 322,000 | 518,000 | 796,000 |
| Income tax | 36,000 | 88,000 | 154,000 | 211,000 |
| Net income | 98,000 | 234,000 | 364,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,157,000 | 6,186,000 | 6,330,000 | 6,425,000 |
| Total capital | 6,243,000 | 6,265,000 | 6,402,000 | 6,492,000 |
| Risk-weighted assets | 47,361,000 | 47,643,000 | 47,031,000 | 47,964,000 |
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