Call reports 2010
BANK OF MONTICELLO — 2010
What BANK OF MONTICELLO reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 101,528,000 | 99,386,000 | 101,865,000 | 98,321,000 |
| Total loans | 74,491,000 | 76,928,000 | 76,707,000 | 74,804,000 |
| Allowance for loan losses | 1,145,000 | 1,230,000 | 1,216,000 | 1,227,000 |
| Securities available for sale | 9,995,000 | 10,298,000 | 8,296,000 | 9,219,000 |
| Securities held to maturity | 549,000 | 549,000 | 549,000 | 549,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,294,000 | 90,130,000 | 92,569,000 | 90,526,000 |
| Interest-bearing deposits | 87,204,000 | 84,931,000 | 86,415,000 | 84,903,000 |
| Noninterest-bearing deposits | 5,090,000 | 5,199,000 | 6,154,000 | 5,623,000 |
| Equity capital | 8,640,000 | 8,671,000 | 8,701,000 | 7,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,331,000 | 2,527,000 | 3,873,000 | 5,078,000 |
| Interest expense | 492,000 | 951,000 | 1,362,000 | 1,748,000 |
| Net interest income | 839,000 | 1,576,000 | 2,511,000 | 3,330,000 |
| Noninterest income | 86,000 | 173,000 | 255,000 | 697,000 |
| Noninterest expense | 639,000 | 1,286,000 | 1,980,000 | 3,466,000 |
| Provision for loan losses | 300,000 | 600,000 | 920,000 | 1,961,000 |
| Pretax income | -14,000 | -137,000 | -134,000 | -1,400,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | -137,000 | -134,000 | -1,400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,544,000 | 8,428,000 | 8,423,000 | 7,157,000 |
| Total capital | 9,422,000 | 9,323,000 | 9,317,000 | 8,010,000 |
| Risk-weighted assets | 70,011,000 | 71,255,000 | 71,229,000 | 67,842,000 |