Call reports 2016
BANK OF MONTICELLO — 2016
What BANK OF MONTICELLO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 107,642,000 | 107,436,000 | 108,386,000 | 114,454,000 |
| Total loans | 73,689,000 | 76,778,000 | 79,814,000 | 76,978,000 |
| Allowance for loan losses | 921,000 | 1,001,000 | 1,015,000 | 957,000 |
| Securities available for sale | 25,143,000 | 22,910,000 | 19,784,000 | 22,666,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,800,000 | 87,141,000 | 87,972,000 | 94,573,000 |
| Interest-bearing deposits | 74,702,000 | 74,562,000 | 73,860,000 | 76,255,000 |
| Noninterest-bearing deposits | 13,098,000 | 12,579,000 | 14,112,000 | 18,318,000 |
| Equity capital | 11,328,000 | 11,724,000 | 11,960,000 | 11,578,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,094,000 | 2,207,000 | 3,350,000 | 4,493,000 |
| Interest expense | 187,000 | 349,000 | 512,000 | 673,000 |
| Net interest income | 907,000 | 1,858,000 | 2,838,000 | 3,820,000 |
| Noninterest income | 114,000 | 225,000 | 341,000 | 457,000 |
| Noninterest expense | 667,000 | 1,292,000 | 1,975,000 | 2,725,000 |
| Provision for loan losses | 50,000 | 114,000 | 182,000 | 228,000 |
| Pretax income | 323,000 | 697,000 | 1,095,000 | 1,397,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 323,000 | 697,000 | 1,095,000 | 1,397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,548,000 | 11,729,000 | 12,035,000 | 11,768,000 |
| Total capital | 12,469,000 | 12,730,000 | 13,050,000 | 12,725,000 |
| Risk-weighted assets | 87,697,000 | 87,495,000 | 89,503,000 | 88,231,000 |