Call reports 2005
BANK OF MONTICELLO — 2005
What BANK OF MONTICELLO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,601,000 | 66,516,000 | 66,543,000 | 69,421,000 |
| Total loans | 41,768,000 | 43,450,000 | 45,031,000 | 45,345,000 |
| Allowance for loan losses | 484,000 | 504,000 | 539,000 | 554,000 |
| Securities available for sale | 20,144,000 | 19,555,000 | 17,904,000 | 18,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,958,000 | 50,472,000 | 50,438,000 | 53,869,000 |
| Interest-bearing deposits | 46,493,000 | 44,672,000 | 44,291,000 | 47,067,000 |
| Noninterest-bearing deposits | 6,465,000 | 5,800,000 | 6,147,000 | 6,802,000 |
| Equity capital | 7,433,000 | 7,855,000 | 7,909,000 | 7,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 900,000 | 1,879,000 | 2,868,000 | 3,890,000 |
| Interest expense | 338,000 | 700,000 | 1,086,000 | 1,493,000 |
| Net interest income | 562,000 | 1,179,000 | 1,782,000 | 2,397,000 |
| Noninterest income | 55,000 | 116,000 | 187,000 | 255,000 |
| Noninterest expense | 348,000 | 669,000 | 1,038,000 | 1,424,000 |
| Provision for loan losses | 25,000 | 37,000 | 87,000 | 120,000 |
| Pretax income | 241,000 | 569,000 | 830,000 | 1,093,000 |
| Income tax | 29,000 | 29,000 | 29,000 | 28,000 |
| Net income | 212,000 | 540,000 | 801,000 | 1,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,830,000 | 7,959,000 | 8,120,000 | 8,176,000 |
| Total capital | 8,314,000 | 8,463,000 | 8,659,000 | 8,730,000 |
| Risk-weighted assets | 54,234,000 | 56,125,000 | 56,713,000 | 57,597,000 |
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