Call reports 2002
BANK OF MONTICELLO — 2002
What BANK OF MONTICELLO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 55,544,000 | 56,130,000 | 57,511,000 | 60,692,000 |
| Total loans | 32,881,000 | 33,736,000 | 35,931,000 | 36,402,000 |
| Allowance for loan losses | 488,000 | 493,000 | 461,000 | 459,000 |
| Securities available for sale | 16,326,000 | 17,257,000 | 16,744,000 | 18,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,613,000 | 44,253,000 | 43,029,000 | 47,024,000 |
| Interest-bearing deposits | 39,159,000 | 39,557,000 | 38,226,000 | 41,542,000 |
| Noninterest-bearing deposits | 4,454,000 | 4,696,000 | 4,803,000 | 5,482,000 |
| Equity capital | 6,540,000 | 6,849,000 | 7,182,000 | 7,160,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 891,000 | 1,783,000 | 2,687,000 | 3,598,000 |
| Interest expense | 407,000 | 831,000 | 1,210,000 | 1,579,000 |
| Net interest income | 484,000 | 952,000 | 1,477,000 | 2,019,000 |
| Noninterest income | 57,000 | 115,000 | 193,000 | 255,000 |
| Noninterest expense | 323,000 | 622,000 | 955,000 | 1,281,000 |
| Provision for loan losses | 73,000 | 73,000 | 76,000 | 88,000 |
| Pretax income | 151,000 | 408,000 | 708,000 | 1,000,000 |
| Income tax | 32,000 | 104,000 | 212,000 | 291,000 |
| Net income | 119,000 | 304,000 | 496,000 | 709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,540,000 | 6,734,000 | 6,925,000 | 6,918,000 |
| Total capital | 7,028,000 | 7,227,000 | 7,386,000 | 7,377,000 |
| Risk-weighted assets | 43,993,000 | 44,426,000 | 45,863,000 | 47,728,000 |
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