Call reports 2002
BANK OF MONTICELLO — 2002
What BANK OF MONTICELLO reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 66,297,000 | 67,714,000 | 68,145,000 | 73,362,000 |
| Total loans | 44,173,000 | 45,321,000 | 45,312,000 | 48,176,000 |
| Allowance for loan losses | 523,000 | 549,000 | 563,000 | 569,000 |
| Securities available for sale | 9,085,000 | 9,714,000 | 11,121,000 | 10,932,000 |
| Securities held to maturity | 1,169,000 | 1,103,000 | 1,003,000 | 893,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,880,000 | 59,940,000 | 60,114,000 | 65,161,000 |
| Interest-bearing deposits | 54,146,000 | 55,290,000 | 55,546,000 | 60,066,000 |
| Noninterest-bearing deposits | 4,734,000 | 4,650,000 | 4,568,000 | 5,095,000 |
| Equity capital | 6,334,000 | 6,636,000 | 6,853,000 | 6,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,128,000 | 2,260,000 | 3,425,000 | 4,575,000 |
| Interest expense | 482,000 | 922,000 | 1,354,000 | 1,770,000 |
| Net interest income | 646,000 | 1,338,000 | 2,071,000 | 2,805,000 |
| Noninterest income | 60,000 | 127,000 | 197,000 | 283,000 |
| Noninterest expense | 424,000 | 874,000 | 1,308,000 | 1,864,000 |
| Provision for loan losses | 19,000 | 43,000 | 78,000 | 108,000 |
| Pretax income | 263,000 | 548,000 | 882,000 | 1,116,000 |
| Income tax | 52,000 | 120,000 | 191,000 | 312,000 |
| Net income | 211,000 | 428,000 | 691,000 | 804,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,257,000 | 6,474,000 | 6,657,000 | 6,944,000 |
| Total capital | 6,780,000 | 7,023,000 | 7,220,000 | 7,513,000 |
| Risk-weighted assets | 42,897,000 | 44,242,000 | 44,639,000 | 48,393,000 |