Call reports 2009
BANK OF MONTICELLO — 2009
What BANK OF MONTICELLO reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 98,746,000 | 96,837,000 | 98,075,000 | 99,902,000 |
| Total loans | 72,275,000 | 73,103,000 | 73,934,000 | 73,539,000 |
| Allowance for loan losses | 1,114,000 | 1,101,000 | 1,115,000 | 1,030,000 |
| Securities available for sale | 11,130,000 | 11,335,000 | 10,692,000 | 9,868,000 |
| Securities held to maturity | 548,000 | 548,000 | 549,000 | 548,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,154,000 | 88,443,000 | 89,600,000 | 90,598,000 |
| Interest-bearing deposits | 84,544,000 | 83,491,000 | 84,727,000 | 85,120,000 |
| Noninterest-bearing deposits | 5,610,000 | 4,952,000 | 4,873,000 | 5,478,000 |
| Equity capital | 8,022,000 | 7,797,000 | 7,924,000 | 8,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,348,000 | 2,611,000 | 3,982,000 | 5,347,000 |
| Interest expense | 646,000 | 1,271,000 | 1,842,000 | 2,379,000 |
| Net interest income | 702,000 | 1,340,000 | 2,140,000 | 2,968,000 |
| Noninterest income | 79,000 | 168,000 | 260,000 | 357,000 |
| Noninterest expense | 591,000 | 1,250,000 | 1,884,000 | 2,538,000 |
| Provision for loan losses | 150,000 | 315,000 | 545,000 | 945,000 |
| Pretax income | 40,000 | -57,000 | -29,000 | -158,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | -57,000 | -29,000 | -158,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,673,000 | 7,575,000 | 7,602,000 | 8,447,000 |
| Total capital | 8,539,000 | 8,438,000 | 8,476,000 | 9,315,000 |
| Risk-weighted assets | 69,023,000 | 68,792,000 | 69,655,000 | 69,241,000 |