Call reports 2011
BANK OF MONTICELLO — 2011
What BANK OF MONTICELLO reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 73,718,000 | 74,718,000 | 75,830,000 | 76,609,000 |
| Total loans | 48,428,000 | 49,092,000 | 51,075,000 | 49,970,000 |
| Allowance for loan losses | 1,069,000 | 1,058,000 | 998,000 | 944,000 |
| Securities available for sale | 11,323,000 | 11,785,000 | 11,138,000 | 11,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,892,000 | 64,649,000 | 65,676,000 | 66,542,000 |
| Interest-bearing deposits | 57,539,000 | 57,613,000 | 58,378,000 | 58,296,000 |
| Noninterest-bearing deposits | 6,353,000 | 7,036,000 | 7,298,000 | 8,246,000 |
| Equity capital | 8,069,000 | 8,289,000 | 8,438,000 | 8,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,600,000 | 2,427,000 | 3,270,000 |
| Interest expense | 210,000 | 406,000 | 589,000 | 741,000 |
| Net interest income | 587,000 | 1,194,000 | 1,838,000 | 2,529,000 |
| Noninterest income | 355,000 | 463,000 | 617,000 | 825,000 |
| Noninterest expense | 598,000 | 1,204,000 | 1,866,000 | 2,513,000 |
| Provision for loan losses | 151,000 | 157,000 | 160,000 | 194,000 |
| Pretax income | 193,000 | 296,000 | 429,000 | 647,000 |
| Income tax | 88,000 | 148,000 | 175,000 | 248,000 |
| Net income | 105,000 | 148,000 | 254,000 | 399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,684,000 | 7,740,000 | 7,832,000 | 7,899,000 |
| Total capital | 8,364,000 | 8,419,000 | 8,528,000 | 8,585,000 |
| Risk-weighted assets | 54,365,000 | 53,724,000 | 55,698,000 | 54,985,000 |