Call reports 2012
BANK OF MONTICELLO — 2012
What BANK OF MONTICELLO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 90,093,000 | 89,916,000 | 90,755,000 | 96,944,000 |
| Total loans | 62,768,000 | 66,878,000 | 68,604,000 | 67,957,000 |
| Allowance for loan losses | 1,519,000 | 1,462,000 | 1,637,000 | 1,481,000 |
| Securities available for sale | 19,417,000 | 16,449,000 | 16,703,000 | 18,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,715,000 | 71,192,000 | 71,936,000 | 78,368,000 |
| Interest-bearing deposits | 62,046,000 | 60,844,000 | 61,492,000 | 64,047,000 |
| Noninterest-bearing deposits | 11,669,000 | 10,348,000 | 10,444,000 | 14,321,000 |
| Equity capital | 9,112,000 | 9,504,000 | 9,719,000 | 9,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,158,000 | 3,250,000 | 4,256,000 |
| Interest expense | 223,000 | 434,000 | 639,000 | 835,000 |
| Net interest income | 871,000 | 1,724,000 | 2,611,000 | 3,421,000 |
| Noninterest income | 103,000 | 196,000 | 282,000 | 406,000 |
| Noninterest expense | 479,000 | 995,000 | 1,488,000 | 2,012,000 |
| Provision for loan losses | 733,000 | 706,000 | 874,000 | 806,000 |
| Pretax income | -193,000 | 423,000 | 755,000 | 1,279,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -193,000 | 423,000 | 755,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,932,000 | 9,341,000 | 9,569,000 | 9,853,000 |
| Total capital | 9,907,000 | 10,356,000 | 10,612,000 | 10,901,000 |
| Risk-weighted assets | 87,675,000 | 91,563,000 | 94,512,000 | 95,983,000 |