Call reports 2008
BANK OF MONTICELLO — 2008
What BANK OF MONTICELLO reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 103,861,000 | 98,464,000 | 98,777,000 | 96,605,000 |
| Total loans | 73,467,000 | 72,325,000 | 70,674,000 | 71,634,000 |
| Allowance for loan losses | 965,000 | 1,054,000 | 1,090,000 | 1,048,000 |
| Securities available for sale | 14,783,000 | 14,427,000 | 15,674,000 | 13,378,000 |
| Securities held to maturity | 548,000 | 548,000 | 548,000 | 548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,401,000 | 89,368,000 | 90,115,000 | 87,881,000 |
| Interest-bearing deposits | 87,628,000 | 83,701,000 | 84,175,000 | 82,072,000 |
| Noninterest-bearing deposits | 6,773,000 | 5,667,000 | 5,940,000 | 5,809,000 |
| Equity capital | 8,813,000 | 8,576,000 | 8,146,000 | 8,064,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,232,000 | 4,716,000 | 6,082,000 |
| Interest expense | 871,000 | 1,664,000 | 2,405,000 | 3,107,000 |
| Net interest income | 819,000 | 1,568,000 | 2,311,000 | 2,975,000 |
| Noninterest income | 95,000 | 190,000 | 283,000 | 286,000 |
| Noninterest expense | 623,000 | 1,205,000 | 1,941,000 | 2,442,000 |
| Provision for loan losses | 100,000 | 257,000 | 402,000 | 567,000 |
| Pretax income | 191,000 | 296,000 | 251,000 | 252,000 |
| Income tax | 0 | 0 | 0 | 237,000 |
| Net income | 191,000 | 296,000 | 251,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,656,000 | 8,567,000 | 8,098,000 | 7,794,000 |
| Total capital | 9,568,000 | 9,450,000 | 8,821,000 | 8,665,000 |
| Risk-weighted assets | 72,882,000 | 70,488,000 | 68,175,000 | 68,708,000 |