Call reports 2013
BANK OF MONTICELLO — 2013
What BANK OF MONTICELLO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,948,000 | 93,589,000 | 93,185,000 | 106,456,000 |
| Total loans | 65,358,000 | 66,441,000 | 69,295,000 | 72,399,000 |
| Allowance for loan losses | 1,321,000 | 1,369,000 | 1,328,000 | 1,343,000 |
| Securities available for sale | 21,315,000 | 20,285,000 | 18,950,000 | 22,693,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,132,000 | 75,267,000 | 74,337,000 | 88,355,000 |
| Interest-bearing deposits | 64,061,000 | 62,682,000 | 64,011,000 | 75,373,000 |
| Noninterest-bearing deposits | 13,071,000 | 12,585,000 | 10,326,000 | 12,982,000 |
| Equity capital | 10,186,000 | 9,728,000 | 9,861,000 | 9,736,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 993,000 | 1,995,000 | 2,997,000 | 4,060,000 |
| Interest expense | 183,000 | 360,000 | 535,000 | 717,000 |
| Net interest income | 810,000 | 1,635,000 | 2,462,000 | 3,343,000 |
| Noninterest income | 79,000 | 166,000 | 259,000 | 346,000 |
| Noninterest expense | 530,000 | 1,096,000 | 1,619,000 | 2,289,000 |
| Provision for loan losses | -80,000 | -45,000 | -79,000 | -24,000 |
| Pretax income | 451,000 | 772,000 | 1,209,000 | 1,442,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 451,000 | 772,000 | 1,209,000 | 1,442,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,204,000 | 10,325,000 | 10,663,000 | 10,398,000 |
| Total capital | 11,223,000 | 11,351,000 | 10,847,000 | 11,535,000 |
| Risk-weighted assets | 93,972,000 | 94,934,000 | 96,260,000 | 104,505,000 |
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