Call reports 2004
BANK OF MONTICELLO — 2004
What BANK OF MONTICELLO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 64,365,000 | 65,527,000 | 65,228,000 | 68,135,000 |
| Total loans | 39,672,000 | 41,707,000 | 43,322,000 | 41,973,000 |
| Allowance for loan losses | 476,000 | 483,000 | 490,000 | 496,000 |
| Securities available for sale | 17,998,000 | 18,114,000 | 17,092,000 | 18,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,807,000 | 48,134,000 | 48,633,000 | 52,596,000 |
| Interest-bearing deposits | 43,720,000 | 43,296,000 | 43,119,000 | 46,530,000 |
| Noninterest-bearing deposits | 5,087,000 | 4,838,000 | 5,514,000 | 6,066,000 |
| Equity capital | 7,535,000 | 6,999,000 | 7,606,000 | 7,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 859,000 | 1,711,000 | 2,608,000 | 3,499,000 |
| Interest expense | 325,000 | 641,000 | 962,000 | 1,287,000 |
| Net interest income | 534,000 | 1,070,000 | 1,646,000 | 2,212,000 |
| Noninterest income | 69,000 | 134,000 | 205,000 | 267,000 |
| Noninterest expense | 332,000 | 653,000 | 975,000 | 1,383,000 |
| Provision for loan losses | 44,000 | 44,000 | 54,000 | 60,000 |
| Pretax income | 285,000 | 561,000 | 866,000 | 1,031,000 |
| Income tax | 132,000 | 131,000 | 131,000 | 132,000 |
| Net income | 153,000 | 430,000 | 735,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,398,000 | 7,476,000 | 7,681,000 | 7,725,000 |
| Total capital | 7,874,000 | 7,959,000 | 8,171,000 | 8,221,000 |
| Risk-weighted assets | 50,503,000 | 52,846,000 | 53,312,000 | 54,064,000 |
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