Call reports 2007
BANK OF MONTICELLO — 2007
What BANK OF MONTICELLO reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 98,444,000 | 100,008,000 | 101,604,000 | 99,811,000 |
| Total loans | 70,551,000 | 74,509,000 | 76,033,000 | 75,440,000 |
| Allowance for loan losses | 849,000 | 897,000 | 904,000 | 920,000 |
| Securities available for sale | 18,371,000 | 16,429,000 | 15,384,000 | 15,268,000 |
| Securities held to maturity | 547,000 | 547,000 | 547,000 | 548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,531,000 | 90,930,000 | 92,186,000 | 90,582,000 |
| Interest-bearing deposits | 83,208,000 | 85,095,000 | 86,156,000 | 84,680,000 |
| Noninterest-bearing deposits | 6,323,000 | 5,835,000 | 6,030,000 | 5,902,000 |
| Equity capital | 8,336,000 | 8,527,000 | 8,724,000 | 8,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,757,000 | 3,560,000 | 5,427,000 | 7,215,000 |
| Interest expense | 860,000 | 1,738,000 | 2,663,000 | 3,574,000 |
| Net interest income | 897,000 | 1,822,000 | 2,764,000 | 3,641,000 |
| Noninterest income | 104,000 | 211,000 | 325,000 | 453,000 |
| Noninterest expense | 605,000 | 1,204,000 | 1,827,000 | 2,480,000 |
| Provision for loan losses | 53,000 | 116,000 | 221,000 | 321,000 |
| Pretax income | 343,000 | 713,000 | 1,041,000 | 1,293,000 |
| Income tax | 104,000 | 212,000 | 319,000 | 444,000 |
| Net income | 239,000 | 501,000 | 722,000 | 849,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,384,000 | 8,602,000 | 8,721,000 | 8,502,000 |
| Total capital | 9,233,000 | 9,499,000 | 9,625,000 | 9,422,000 |
| Risk-weighted assets | 69,027,000 | 72,693,000 | 74,018,000 | 73,112,000 |
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