Call reports 2005
BANK OF MONTICELLO — 2005
What BANK OF MONTICELLO reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 87,917,000 | 99,347,000 | 97,849,000 | 98,744,000 |
| Total loans | 59,235,000 | 62,149,000 | 63,528,000 | 62,966,000 |
| Allowance for loan losses | 635,000 | 629,000 | 634,000 | 709,000 |
| Securities available for sale | 10,199,000 | 23,529,000 | 18,930,000 | 18,662,000 |
| Securities held to maturity | 687,000 | 687,000 | 687,000 | 687,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,990,000 | 91,304,000 | 89,672,000 | 90,598,000 |
| Interest-bearing deposits | 73,280,000 | 84,966,000 | 83,683,000 | 84,474,000 |
| Noninterest-bearing deposits | 6,710,000 | 6,338,000 | 5,989,000 | 6,124,000 |
| Equity capital | 6,922,000 | 7,105,000 | 7,254,000 | 7,289,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,194,000 | 2,542,000 | 3,999,000 | 5,501,000 |
| Interest expense | 411,000 | 901,000 | 1,477,000 | 2,098,000 |
| Net interest income | 783,000 | 1,641,000 | 2,522,000 | 3,403,000 |
| Noninterest income | 70,000 | 147,000 | 223,000 | 350,000 |
| Noninterest expense | 531,000 | 1,047,000 | 1,570,000 | 2,162,000 |
| Provision for loan losses | 45,000 | 115,000 | 205,000 | 370,000 |
| Pretax income | 277,000 | 626,000 | 970,000 | 1,221,000 |
| Income tax | 87,000 | 178,000 | 272,000 | 392,000 |
| Net income | 190,000 | 448,000 | 698,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,913,000 | 7,117,000 | 7,302,000 | 7,392,000 |
| Total capital | 7,548,000 | 7,746,000 | 7,936,000 | 8,101,000 |
| Risk-weighted assets | 59,289,000 | 64,685,000 | 65,973,000 | 65,423,000 |