Call reports 2006
BANK OF MONTICELLO — 2006
What BANK OF MONTICELLO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 70,820,000 | 70,062,000 | 72,003,000 | 73,285,000 |
| Total loans | 43,644,000 | 45,750,000 | 46,731,000 | 46,478,000 |
| Allowance for loan losses | 563,000 | 550,000 | 671,000 | 647,000 |
| Securities available for sale | 20,996,000 | 20,508,000 | 21,427,000 | 21,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,699,000 | 54,875,000 | 55,318,000 | 58,850,000 |
| Interest-bearing deposits | 49,020,000 | 48,449,000 | 48,722,000 | 51,168,000 |
| Noninterest-bearing deposits | 6,679,000 | 6,426,000 | 6,596,000 | 7,682,000 |
| Equity capital | 7,807,000 | 7,599,000 | 8,167,000 | 8,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,033,000 | 2,119,000 | 3,243,000 | 4,412,000 |
| Interest expense | 434,000 | 902,000 | 1,405,000 | 1,960,000 |
| Net interest income | 599,000 | 1,217,000 | 1,838,000 | 2,452,000 |
| Noninterest income | 70,000 | 145,000 | 229,000 | 306,000 |
| Noninterest expense | 341,000 | 692,000 | 1,045,000 | 1,453,000 |
| Provision for loan losses | 4,000 | 25,000 | 165,000 | 180,000 |
| Pretax income | 324,000 | 636,000 | 848,000 | 1,127,000 |
| Income tax | 33,000 | 35,000 | 37,000 | 33,000 |
| Net income | 291,000 | 601,000 | 811,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,257,000 | 8,367,000 | 8,477,000 | 8,530,000 |
| Total capital | 8,821,000 | 8,917,000 | 9,148,000 | 9,177,000 |
| Risk-weighted assets | 55,305,000 | 58,431,000 | 59,981,000 | 59,577,000 |
Machine access — free, no API key
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