Call reports 2023
BANK OF MONTICELLO — 2023
What BANK OF MONTICELLO reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 134,129,000 | 134,183,000 | 130,053,000 | 139,381,000 |
| Total loans | 85,699,000 | 87,045,000 | 87,792,000 | 86,161,000 |
| Allowance for loan losses | 881,000 | 892,000 | 921,000 | 953,000 |
| Securities available for sale | 34,993,000 | 33,932,000 | 33,742,000 | 36,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,911,000 | 119,836,000 | 114,092,000 | 122,463,000 |
| Interest-bearing deposits | 97,080,000 | 96,481,000 | 94,878,000 | 99,565,000 |
| Noninterest-bearing deposits | 22,831,000 | 23,355,000 | 19,214,000 | 22,898,000 |
| Equity capital | 12,065,000 | 12,143,000 | 11,724,000 | 13,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,586,000 | 3,251,000 | 4,993,000 | 6,848,000 |
| Interest expense | 310,000 | 692,000 | 1,130,000 | 1,700,000 |
| Net interest income | 1,276,000 | 2,559,000 | 3,863,000 | 5,148,000 |
| Noninterest income | 74,000 | 171,000 | 263,000 | 410,000 |
| Noninterest expense | 672,000 | 1,386,000 | 2,077,000 | 2,908,000 |
| Provision for loan losses | 0 | 10,000 | 53,000 | 86,000 |
| Pretax income | 678,000 | 1,336,000 | 2,006,000 | 2,586,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 678,000 | 1,336,000 | 2,006,000 | 2,586,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,432,000 | 15,893,000 | 16,464,000 | 17,045,000 |