Call reports 2004
BANK OF MONTICELLO — 2004
What BANK OF MONTICELLO reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 80,540,000 | 83,407,000 | 83,429,000 | 82,988,000 |
| Total loans | 53,749,000 | 55,431,000 | 56,734,000 | 57,990,000 |
| Allowance for loan losses | 612,000 | 628,000 | 632,000 | 652,000 |
| Securities available for sale | 8,008,000 | 9,810,000 | 10,394,000 | 10,079,000 |
| Securities held to maturity | 895,000 | 784,000 | 686,000 | 687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,896,000 | 75,900,000 | 75,531,000 | 75,168,000 |
| Interest-bearing deposits | 65,287,000 | 69,642,000 | 69,907,000 | 69,145,000 |
| Noninterest-bearing deposits | 7,609,000 | 6,258,000 | 5,624,000 | 6,023,000 |
| Equity capital | 6,581,000 | 6,582,000 | 6,878,000 | 6,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,072,000 | 2,214,000 | 3,351,000 | 4,538,000 |
| Interest expense | 357,000 | 726,000 | 1,105,000 | 1,500,000 |
| Net interest income | 715,000 | 1,488,000 | 2,246,000 | 3,038,000 |
| Noninterest income | 74,000 | 147,000 | 224,000 | 305,000 |
| Noninterest expense | 496,000 | 1,039,000 | 1,556,000 | 2,134,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 263,000 | 536,000 | 824,000 | 1,049,000 |
| Income tax | 84,000 | 153,000 | 222,000 | 338,000 |
| Net income | 179,000 | 383,000 | 602,000 | 711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,433,000 | 6,598,000 | 6,756,000 | 6,826,000 |
| Total capital | 7,045,000 | 7,226,000 | 7,388,000 | 7,478,000 |
| Risk-weighted assets | 52,166,000 | 54,369,000 | 55,818,000 | 56,595,000 |
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