Call reports 2012
BANK OF MONTICELLO — 2012
What BANK OF MONTICELLO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 75,562,000 | 75,359,000 | 73,453,000 | 76,378,000 |
| Total loans | 48,430,000 | 46,000,000 | 44,100,000 | 42,611,000 |
| Allowance for loan losses | 884,000 | 874,000 | 917,000 | 0 |
| Securities available for sale | 12,446,000 | 12,080,000 | 11,288,000 | 10,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,476,000 | 65,596,000 | 63,620,000 | 67,967,000 |
| Interest-bearing deposits | 57,607,000 | 55,959,000 | 55,548,000 | 56,868,000 |
| Noninterest-bearing deposits | 7,869,000 | 9,637,000 | 8,072,000 | 11,099,000 |
| Equity capital | 8,487,000 | 8,608,000 | 8,692,000 | 6,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,572,000 | 2,312,000 | 3,112,000 |
| Interest expense | 128,000 | 243,000 | 351,000 | 448,000 |
| Net interest income | 669,000 | 1,329,000 | 1,961,000 | 2,664,000 |
| Noninterest income | 154,000 | 315,000 | 461,000 | 702,000 |
| Noninterest expense | 617,000 | 1,260,000 | 1,877,000 | 2,738,000 |
| Provision for loan losses | 49,000 | 96,000 | 131,000 | 135,000 |
| Pretax income | 157,000 | 288,000 | 414,000 | 493,000 |
| Income tax | 28,000 | 79,000 | 111,000 | 159,000 |
| Net income | 129,000 | 209,000 | 303,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,009,000 | 8,103,000 | 8,237,000 | 6,226,000 |
| Total capital | 8,674,000 | 8,773,000 | 8,857,000 | 6,226,000 |
| Risk-weighted assets | 53,227,000 | 53,646,000 | 49,370,000 | 48,945,000 |