Call reports 2010
BANK OF MONTICELLO — 2010
What BANK OF MONTICELLO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 84,410,000 | 84,913,000 | 84,647,000 | 91,127,000 |
| Total loans | 58,872,000 | 59,177,000 | 61,040,000 | 61,843,000 |
| Allowance for loan losses | 788,000 | 730,000 | 771,000 | 771,000 |
| Securities available for sale | 17,602,000 | 17,243,000 | 16,478,000 | 20,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,440,000 | 69,264,000 | 69,401,000 | 75,326,000 |
| Interest-bearing deposits | 59,971,000 | 60,722,000 | 61,488,000 | 65,606,000 |
| Noninterest-bearing deposits | 8,469,000 | 8,542,000 | 7,913,000 | 9,720,000 |
| Equity capital | 8,455,000 | 8,691,000 | 9,086,000 | 8,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,063,000 | 2,131,000 | 3,143,000 | 4,253,000 |
| Interest expense | 359,000 | 685,000 | 986,000 | 1,263,000 |
| Net interest income | 704,000 | 1,446,000 | 2,157,000 | 2,990,000 |
| Noninterest income | 90,000 | 169,000 | 216,000 | 311,000 |
| Noninterest expense | 456,000 | 890,000 | 1,326,000 | 1,856,000 |
| Provision for loan losses | 152,000 | 177,000 | 228,000 | 471,000 |
| Pretax income | 218,000 | 551,000 | 885,000 | 1,037,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 218,000 | 551,000 | 885,000 | 1,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,596,000 | 8,704,000 | 8,939,000 | 8,627,000 |
| Total capital | 9,384,000 | 9,434,000 | 9,710,000 | 9,398,000 |
| Risk-weighted assets | 72,875,000 | 73,400,000 | 74,700,000 | 81,052,000 |
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