Call reports 2001
BANK OF MONTICELLO — 2001
What BANK OF MONTICELLO reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,089,000 | 53,455,000 | 53,656,000 | 56,074,000 |
| Total loans | 31,461,000 | 32,749,000 | 32,639,000 | 32,155,000 |
| Allowance for loan losses | 376,000 | 432,000 | 468,000 | 476,000 |
| Securities available for sale | 16,867,000 | 17,282,000 | 16,890,000 | 18,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,862,000 | 39,505,000 | 39,539,000 | 42,188,000 |
| Interest-bearing deposits | 34,311,000 | 35,527,000 | 35,480,000 | 37,303,000 |
| Noninterest-bearing deposits | 4,551,000 | 3,978,000 | 4,059,000 | 4,885,000 |
| Equity capital | 6,361,000 | 6,439,000 | 6,626,000 | 6,460,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 950,000 | 1,934,000 | 2,903,000 | 3,854,000 |
| Interest expense | 523,000 | 1,060,000 | 1,587,000 | 2,075,000 |
| Net interest income | 427,000 | 874,000 | 1,316,000 | 1,779,000 |
| Noninterest income | 57,000 | 116,000 | 177,000 | 235,000 |
| Noninterest expense | 279,000 | 537,000 | 853,000 | 1,145,000 |
| Provision for loan losses | 40,000 | 140,000 | 220,000 | 266,000 |
| Pretax income | 231,000 | 382,000 | 487,000 | 688,000 |
| Income tax | 61,000 | 104,000 | 123,000 | 195,000 |
| Net income | 170,000 | 278,000 | 364,000 | 493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,207,000 | 6,280,000 | 6,451,000 | 6,429,000 |
| Total capital | 6,583,000 | 6,712,000 | 6,922,000 | 6,905,000 |
| Risk-weighted assets | 41,640,000 | 43,245,000 | 43,845,000 | 44,344,000 |