Call reports 2019
BANK OF MONTICELLO — 2019
What BANK OF MONTICELLO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 107,809,000 | 108,526,000 | 111,938,000 | 119,533,000 |
| Total loans | 77,417,000 | 77,552,000 | 79,814,000 | 78,602,000 |
| Allowance for loan losses | 1,013,000 | 1,001,000 | 1,030,000 | 1,018,000 |
| Securities available for sale | 22,369,000 | 21,277,000 | 20,840,000 | 22,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,804,000 | 87,919,000 | 90,831,000 | 98,913,000 |
| Interest-bearing deposits | 73,495,000 | 73,252,000 | 76,676,000 | 81,160,000 |
| Noninterest-bearing deposits | 14,309,000 | 14,667,000 | 14,155,000 | 17,753,000 |
| Equity capital | 12,723,000 | 13,222,000 | 13,694,000 | 13,093,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,266,000 | 2,576,000 | 3,905,000 | 5,257,000 |
| Interest expense | 229,000 | 449,000 | 694,000 | 935,000 |
| Net interest income | 1,037,000 | 2,127,000 | 3,211,000 | 4,322,000 |
| Noninterest income | 93,000 | 193,000 | 294,000 | 381,000 |
| Noninterest expense | 589,000 | 1,213,000 | 1,846,000 | 2,609,000 |
| Provision for loan losses | 12,000 | 40,000 | 104,000 | 145,000 |
| Pretax income | 529,000 | 1,102,000 | 1,590,000 | 1,984,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 529,000 | 1,102,000 | 1,590,000 | 1,984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,791,000 | 13,164,000 | 13,554,000 | 12,952,000 |
| Total capital | 13,804,000 | 14,165,000 | 14,584,000 | 13,970,000 |
| Risk-weighted assets | 84,875,000 | 84,620,000 | 84,826,000 | 87,847,000 |
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