Call reports 2018
BANK OF MONTICELLO — 2018
What BANK OF MONTICELLO reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 109,042,000 | 107,939,000 | 108,445,000 | 113,588,000 |
| Total loans | 75,245,000 | 77,409,000 | 79,129,000 | 77,675,000 |
| Allowance for loan losses | 974,000 | 995,000 | 1,013,000 | 1,015,000 |
| Securities available for sale | 23,408,000 | 22,882,000 | 22,029,000 | 22,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,077,000 | 88,786,000 | 89,057,000 | 94,337,000 |
| Interest-bearing deposits | 73,927,000 | 73,830,000 | 75,944,000 | 78,235,000 |
| Noninterest-bearing deposits | 16,150,000 | 14,956,000 | 13,113,000 | 16,102,000 |
| Equity capital | 11,976,000 | 12,179,000 | 12,424,000 | 12,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,369,000 | 3,613,000 | 4,889,000 |
| Interest expense | 189,000 | 364,000 | 553,000 | 761,000 |
| Net interest income | 976,000 | 2,005,000 | 3,060,000 | 4,128,000 |
| Noninterest income | 100,000 | 199,000 | 306,000 | 408,000 |
| Noninterest expense | 615,000 | 1,255,000 | 1,879,000 | 2,661,000 |
| Provision for loan losses | 0 | 50,000 | 122,000 | 132,000 |
| Pretax income | 461,000 | 898,000 | 1,364,000 | 1,742,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 461,000 | 898,000 | 1,364,000 | 1,742,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,188,000 | 12,428,000 | 12,805,000 | 12,369,000 |
| Total capital | 13,162,000 | 13,423,000 | 13,818,000 | 13,384,000 |
| Risk-weighted assets | 78,859,000 | 80,533,000 | 82,143,000 | 86,056,000 |
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