Call reports 2025
BANK OF MONTICELLO — 2025
What BANK OF MONTICELLO reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 148,931,000 | 152,115,000 | 150,344,000 | 167,549,000 |
| Total loans | 87,292,000 | 92,991,000 | 96,608,000 | 95,737,000 |
| Allowance for loan losses | 973,000 | 1,002,000 | 1,094,000 | 1,079,000 |
| Securities available for sale | 37,327,000 | 37,615,000 | 38,607,000 | 39,241,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,091,000 | 135,018,000 | 132,589,000 | 148,378,000 |
| Interest-bearing deposits | 108,866,000 | 109,022,000 | 110,005,000 | 117,526,000 |
| Noninterest-bearing deposits | 23,225,000 | 25,996,000 | 22,584,000 | 30,852,000 |
| Equity capital | 14,082,000 | 14,351,000 | 16,042,000 | 17,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,082,000 | 4,276,000 | 6,548,000 | 8,819,000 |
| Interest expense | 707,000 | 1,393,000 | 2,100,000 | 2,789,000 |
| Net interest income | 1,375,000 | 2,883,000 | 4,448,000 | 6,030,000 |
| Noninterest income | 79,000 | 168,000 | 264,000 | 346,000 |
| Noninterest expense | 636,000 | 1,452,000 | 2,210,000 | 3,185,000 |
| Provision for loan losses | -4,000 | 15,000 | 15,000 | 5,000 |
| Pretax income | 818,000 | 1,583,000 | 2,489,000 | 3,177,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 818,000 | 1,583,000 | 2,489,000 | 3,177,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,338,000 | 17,874,000 | 18,665,000 | 19,353,000 |