Call reports 2003
BANK OF MONTICELLO — 2003
What BANK OF MONTICELLO reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 74,344,000 | 71,273,000 | 75,089,000 | 71,642,000 |
| Total loans | 49,274,000 | 51,414,000 | 50,933,000 | 52,495,000 |
| Allowance for loan losses | 585,000 | 596,000 | 592,000 | 593,000 |
| Securities available for sale | 10,167,000 | 9,718,000 | 7,913,000 | 8,150,000 |
| Securities held to maturity | 893,000 | 894,000 | 894,000 | 894,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,238,000 | 63,735,000 | 67,734,000 | 64,168,000 |
| Interest-bearing deposits | 61,825,000 | 58,968,000 | 61,692,000 | 59,139,000 |
| Noninterest-bearing deposits | 5,413,000 | 4,767,000 | 6,042,000 | 5,029,000 |
| Equity capital | 6,171,000 | 6,415,000 | 6,369,000 | 6,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,135,000 | 2,284,000 | 3,393,000 | 4,483,000 |
| Interest expense | 394,000 | 779,000 | 1,159,000 | 1,511,000 |
| Net interest income | 741,000 | 1,505,000 | 2,234,000 | 2,972,000 |
| Noninterest income | 70,000 | 142,000 | 218,000 | 292,000 |
| Noninterest expense | 484,000 | 979,000 | 1,519,000 | 2,051,000 |
| Provision for loan losses | 30,000 | 40,000 | 58,000 | 92,000 |
| Pretax income | 297,000 | 628,000 | 875,000 | 1,121,000 |
| Income tax | 78,000 | 158,000 | 242,000 | 358,000 |
| Net income | 219,000 | 470,000 | 633,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,008,000 | 6,220,000 | 6,257,000 | 6,348,000 |
| Total capital | 6,593,000 | 6,816,000 | 6,849,000 | 6,941,000 |
| Risk-weighted assets | 49,162,000 | 49,913,000 | 50,260,000 | 49,852,000 |