Call reports 2006
BANK OF MONTICELLO — 2006
What BANK OF MONTICELLO reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 103,831,000 | 104,483,000 | 102,731,000 | 101,049,000 |
| Total loans | 64,862,000 | 71,944,000 | 74,120,000 | 72,720,000 |
| Allowance for loan losses | 733,000 | 773,000 | 920,000 | 825,000 |
| Securities available for sale | 22,699,000 | 19,602,000 | 17,809,000 | 16,399,000 |
| Securities held to maturity | 547,000 | 547,000 | 547,000 | 547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,458,000 | 95,967,000 | 93,940,000 | 92,242,000 |
| Interest-bearing deposits | 88,615,000 | 88,834,000 | 87,840,000 | 85,940,000 |
| Noninterest-bearing deposits | 6,843,000 | 7,133,000 | 6,100,000 | 6,302,000 |
| Equity capital | 7,417,000 | 7,608,000 | 7,807,000 | 7,959,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,605,000 | 3,343,000 | 5,109,000 | 6,895,000 |
| Interest expense | 682,000 | 1,437,000 | 2,249,000 | 3,120,000 |
| Net interest income | 923,000 | 1,906,000 | 2,860,000 | 3,775,000 |
| Noninterest income | 72,000 | 173,000 | 305,000 | 423,000 |
| Noninterest expense | 551,000 | 1,114,000 | 1,715,000 | 2,324,000 |
| Provision for loan losses | 60,000 | 150,000 | 330,000 | 515,000 |
| Pretax income | 384,000 | 815,000 | 1,120,000 | 1,359,000 |
| Income tax | 95,000 | 207,000 | 348,000 | 407,000 |
| Net income | 289,000 | 608,000 | 772,000 | 952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,555,000 | 7,834,000 | 7,935,000 | 8,032,000 |
| Total capital | 8,288,000 | 8,607,000 | 8,853,000 | 8,857,000 |
| Risk-weighted assets | 67,816,000 | 72,892,000 | 72,712,000 | 71,630,000 |