Call reports 2009
BANK OF MONTICELLO — 2009
What BANK OF MONTICELLO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,728,000 | 81,542,000 | 81,622,000 | 87,569,000 |
| Total loans | 54,069,000 | 56,184,000 | 58,255,000 | 58,831,000 |
| Allowance for loan losses | 564,000 | 568,000 | 642,000 | 717,000 |
| Securities available for sale | 18,735,000 | 18,612,000 | 17,309,000 | 17,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,016,000 | 64,259,000 | 63,902,000 | 70,180,000 |
| Interest-bearing deposits | 57,479,000 | 56,365,000 | 56,512,000 | 62,326,000 |
| Noninterest-bearing deposits | 8,537,000 | 7,894,000 | 7,390,000 | 7,854,000 |
| Equity capital | 8,031,000 | 8,158,000 | 8,614,000 | 8,301,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,143,000 | 2,296,000 | 3,442,000 | 4,579,000 |
| Interest expense | 451,000 | 876,000 | 1,275,000 | 1,654,000 |
| Net interest income | 692,000 | 1,420,000 | 2,167,000 | 2,925,000 |
| Noninterest income | 83,000 | 130,000 | 218,000 | 298,000 |
| Noninterest expense | 463,000 | 907,000 | 1,381,000 | 1,905,000 |
| Provision for loan losses | 58,000 | 185,000 | 303,000 | 420,000 |
| Pretax income | 267,000 | 506,000 | 789,000 | 1,005,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 267,000 | 506,000 | 789,000 | 1,005,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,323,000 | 8,459,000 | 8,684,000 | 8,472,000 |
| Total capital | 8,887,000 | 9,027,000 | 9,327,000 | 9,189,000 |
| Risk-weighted assets | 68,587,000 | 69,370,000 | 71,523,000 | 73,201,000 |
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