Call reports 2015
BANK OF MONTICELLO — 2015
What BANK OF MONTICELLO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 105,609,000 | 104,752,000 | 106,689,000 | 110,034,000 |
| Total loans | 69,917,000 | 71,999,000 | 73,027,000 | 74,202,000 |
| Allowance for loan losses | 1,365,000 | 917,000 | 957,000 | 871,000 |
| Securities available for sale | 26,155,000 | 24,653,000 | 23,975,000 | 25,981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,330,000 | 85,808,000 | 87,335,000 | 90,656,000 |
| Interest-bearing deposits | 74,167,000 | 74,688,000 | 74,946,000 | 76,746,000 |
| Noninterest-bearing deposits | 12,163,000 | 11,120,000 | 12,389,000 | 13,910,000 |
| Equity capital | 10,941,000 | 10,704,000 | 11,039,000 | 11,192,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,019,000 | 2,075,000 | 3,126,000 | 4,229,000 |
| Interest expense | 196,000 | 364,000 | 535,000 | 699,000 |
| Net interest income | 823,000 | 1,711,000 | 2,591,000 | 3,530,000 |
| Noninterest income | 109,000 | 220,000 | 298,000 | 414,000 |
| Noninterest expense | 656,000 | 1,333,000 | 1,996,000 | 2,705,000 |
| Provision for loan losses | 198,000 | 207,000 | 239,000 | 239,000 |
| Pretax income | 82,000 | 402,000 | 673,000 | 1,020,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 82,000 | 402,000 | 673,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,892,000 | 11,099,000 | 11,275,000 | 11,351,000 |
| Total capital | 11,950,000 | 12,016,000 | 12,232,000 | 12,222,000 |
| Risk-weighted assets | 84,210,000 | 79,246,000 | 81,844,000 | 88,357,000 |