Call reports 2009
BANK OF MONTICELLO — 2009
What BANK OF MONTICELLO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 68,926,000 | 70,009,000 | 71,490,000 | 72,396,000 |
| Total loans | 48,627,000 | 50,627,000 | 52,223,000 | 51,967,000 |
| Allowance for loan losses | 628,000 | 624,000 | 556,000 | 935,000 |
| Securities available for sale | 9,607,000 | 9,591,000 | 10,092,000 | 8,872,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,955,000 | 60,088,000 | 61,512,000 | 63,024,000 |
| Interest-bearing deposits | 54,432,000 | 54,512,000 | 56,276,000 | 56,561,000 |
| Noninterest-bearing deposits | 5,523,000 | 5,576,000 | 5,236,000 | 6,463,000 |
| Equity capital | 7,969,000 | 8,052,000 | 8,137,000 | 7,686,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,884,000 | 2,800,000 | 3,701,000 |
| Interest expense | 341,000 | 674,000 | 1,004,000 | 1,312,000 |
| Net interest income | 605,000 | 1,210,000 | 1,796,000 | 2,389,000 |
| Noninterest income | 243,000 | 492,000 | 665,000 | 860,000 |
| Noninterest expense | 635,000 | 1,308,000 | 1,926,000 | 2,605,000 |
| Provision for loan losses | 88,000 | 161,000 | 269,000 | 1,025,000 |
| Pretax income | 125,000 | 233,000 | 283,000 | -333,000 |
| Income tax | 29,000 | 52,000 | 53,000 | -241,000 |
| Net income | 96,000 | 181,000 | 230,000 | -92,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,496,000 | 7,596,000 | 7,570,000 | 7,264,000 |
| Total capital | 8,124,000 | 8,220,000 | 8,126,000 | 7,974,000 |
| Risk-weighted assets | 53,379,000 | 55,784,000 | 56,523,000 | 55,897,000 |