Call reports 2007
BANK OF MONTICELLO — 2007
What BANK OF MONTICELLO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 74,833,000 | 74,559,000 | 76,701,000 | 78,215,000 |
| Total loans | 47,027,000 | 49,783,000 | 52,483,000 | 53,609,000 |
| Allowance for loan losses | 657,000 | 705,000 | 686,000 | 686,000 |
| Securities available for sale | 22,528,000 | 20,570,000 | 19,768,000 | 20,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,207,000 | 58,137,000 | 59,744,000 | 60,610,000 |
| Interest-bearing deposits | 51,585,000 | 51,263,000 | 52,942,000 | 53,854,000 |
| Noninterest-bearing deposits | 7,622,000 | 6,874,000 | 6,802,000 | 6,756,000 |
| Equity capital | 8,397,000 | 8,224,000 | 8,746,000 | 8,689,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,182,000 | 2,412,000 | 3,696,000 | 4,988,000 |
| Interest expense | 550,000 | 1,138,000 | 1,753,000 | 2,379,000 |
| Net interest income | 632,000 | 1,274,000 | 1,943,000 | 2,609,000 |
| Noninterest income | 69,000 | 149,000 | 225,000 | 303,000 |
| Noninterest expense | 362,000 | 702,000 | 1,075,000 | 1,510,000 |
| Provision for loan losses | 14,000 | 67,000 | 87,000 | 133,000 |
| Pretax income | 325,000 | 639,000 | 966,000 | 1,226,000 |
| Income tax | 25,000 | 25,000 | 30,000 | 32,000 |
| Net income | 300,000 | 614,000 | 936,000 | 1,194,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,630,000 | 8,844,000 | 9,066,000 | 8,791,000 |
| Total capital | 9,287,000 | 9,549,000 | 9,752,000 | 9,477,000 |
| Risk-weighted assets | 60,771,000 | 61,925,000 | 64,609,000 | 67,107,000 |
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