Call reports 2003
BANK OF MONTICELLO — 2003
What BANK OF MONTICELLO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 60,687,000 | 63,154,000 | 63,488,000 | 64,232,000 |
| Total loans | 36,448,000 | 37,550,000 | 39,547,000 | 39,484,000 |
| Allowance for loan losses | 468,000 | 445,000 | 465,000 | 457,000 |
| Securities available for sale | 17,785,000 | 18,530,000 | 18,098,000 | 19,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,123,000 | 48,245,000 | 46,662,000 | 48,617,000 |
| Interest-bearing deposits | 41,083,000 | 42,693,000 | 41,005,000 | 42,885,000 |
| Noninterest-bearing deposits | 5,040,000 | 5,552,000 | 5,657,000 | 5,732,000 |
| Equity capital | 7,275,000 | 7,485,000 | 7,460,000 | 7,255,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 882,000 | 1,739,000 | 2,579,000 | 3,447,000 |
| Interest expense | 353,000 | 704,000 | 1,044,000 | 1,375,000 |
| Net interest income | 529,000 | 1,035,000 | 1,535,000 | 2,072,000 |
| Noninterest income | 67,000 | 131,000 | 196,000 | 260,000 |
| Noninterest expense | 350,000 | 671,000 | 983,000 | 1,443,000 |
| Provision for loan losses | 40,000 | 45,000 | 93,000 | 141,000 |
| Pretax income | 299,000 | 595,000 | 819,000 | 931,000 |
| Income tax | 78,000 | 184,000 | 247,000 | 249,000 |
| Net income | 221,000 | 411,000 | 572,000 | 682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,140,000 | 7,276,000 | 7,432,000 | 7,235,000 |
| Total capital | 7,608,000 | 7,721,000 | 7,897,000 | 7,692,000 |
| Risk-weighted assets | 47,633,000 | 48,264,000 | 50,530,000 | 50,633,000 |
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