Call reports 2010
BANK OF MONTICELLO — 2010
What BANK OF MONTICELLO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 71,438,000 | 72,413,000 | 72,483,000 | 74,307,000 |
| Total loans | 51,946,000 | 49,914,000 | 49,014,000 | 48,554,000 |
| Allowance for loan losses | 1,015,000 | 866,000 | 880,000 | 906,000 |
| Securities available for sale | 8,510,000 | 8,528,000 | 8,571,000 | 9,741,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,066,000 | 62,813,000 | 62,678,000 | 64,705,000 |
| Interest-bearing deposits | 56,500,000 | 57,047,000 | 57,020,000 | 57,759,000 |
| Noninterest-bearing deposits | 5,566,000 | 5,766,000 | 5,658,000 | 6,946,000 |
| Equity capital | 7,684,000 | 7,888,000 | 8,017,000 | 7,944,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,674,000 | 2,535,000 | 3,392,000 |
| Interest expense | 278,000 | 543,000 | 797,000 | 1,031,000 |
| Net interest income | 544,000 | 1,131,000 | 1,738,000 | 2,361,000 |
| Noninterest income | 212,000 | 413,000 | 671,000 | 910,000 |
| Noninterest expense | 670,000 | 1,323,000 | 2,007,000 | 2,691,000 |
| Provision for loan losses | 82,000 | 92,000 | 136,000 | 209,000 |
| Pretax income | 18,000 | 143,000 | 285,000 | 390,000 |
| Income tax | 1,000 | 22,000 | 57,000 | 65,000 |
| Net income | 17,000 | 121,000 | 228,000 | 325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,269,000 | 7,388,000 | 7,483,000 | 7,594,000 |
| Total capital | 7,977,000 | 8,059,000 | 8,184,000 | 8,276,000 |
| Risk-weighted assets | 56,309,000 | 53,819,000 | 56,214,000 | 54,665,000 |