Call reports 2020
BANK OF MONTICELLO — 2020
What BANK OF MONTICELLO reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 116,319,000 | 120,231,000 | 120,311,000 | 130,637,000 |
| Total loans | 76,550,000 | 79,494,000 | 83,212,000 | 75,750,000 |
| Allowance for loan losses | 1,000,000 | 1,026,000 | 1,004,000 | 996,000 |
| Securities available for sale | 22,726,000 | 26,352,000 | 25,804,000 | 29,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,943,000 | 98,702,000 | 98,389,000 | 109,913,000 |
| Interest-bearing deposits | 79,388,000 | 82,982,000 | 82,994,000 | 88,144,000 |
| Noninterest-bearing deposits | 16,555,000 | 15,720,000 | 15,395,000 | 21,769,000 |
| Equity capital | 12,923,000 | 14,014,000 | 14,417,000 | 14,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,685,000 | 3,936,000 | 5,188,000 |
| Interest expense | 257,000 | 483,000 | 691,000 | 879,000 |
| Net interest income | 1,060,000 | 2,202,000 | 3,245,000 | 4,309,000 |
| Noninterest income | 86,000 | 169,000 | 260,000 | 339,000 |
| Noninterest expense | 601,000 | 1,228,000 | 1,862,000 | 2,575,000 |
| Provision for loan losses | 15,000 | 40,000 | 68,000 | 68,000 |
| Pretax income | 531,000 | 1,104,000 | 1,578,000 | 2,026,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 531,000 | 1,104,000 | 1,578,000 | 2,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,377,000 | 13,695,000 | 14,069,000 | 14,520,000 |
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