Call reports 2007
BANK OF MONTICELLO — 2007
What BANK OF MONTICELLO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 67,438,000 | 67,372,000 | 66,918,000 | 70,370,000 |
| Total loans | 48,445,000 | 49,923,000 | 49,229,000 | 46,302,000 |
| Allowance for loan losses | 506,000 | 519,000 | 529,000 | 541,000 |
| Securities available for sale | 8,479,000 | 7,977,000 | 8,845,000 | 10,214,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,702,000 | 58,742,000 | 58,066,000 | 61,390,000 |
| Interest-bearing deposits | 52,701,000 | 52,738,000 | 52,476,000 | 54,068,000 |
| Noninterest-bearing deposits | 6,001,000 | 6,004,000 | 5,590,000 | 7,322,000 |
| Equity capital | 7,652,000 | 7,585,000 | 7,802,000 | 7,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,117,000 | 3,203,000 | 4,385,000 |
| Interest expense | 501,000 | 1,008,000 | 1,526,000 | 2,044,000 |
| Net interest income | 540,000 | 1,109,000 | 1,677,000 | 2,341,000 |
| Noninterest income | 198,000 | 404,000 | 623,000 | 1,074,000 |
| Noninterest expense | 591,000 | 1,212,000 | 1,846,000 | 2,512,000 |
| Provision for loan losses | 17,000 | 34,000 | 49,000 | 318,000 |
| Pretax income | 130,000 | 271,000 | 409,000 | 589,000 |
| Income tax | 19,000 | 73,000 | 92,000 | 97,000 |
| Net income | 111,000 | 198,000 | 317,000 | 492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,133,000 | 7,125,000 | 7,259,000 | 7,310,000 |
| Total capital | 7,023,000 | 7,019,000 | 7,151,000 | 7,206,000 |
| Risk-weighted assets | 53,267,000 | 55,013,000 | 52,384,000 | 50,527,000 |