Call reports 2011
BANK OF MONTICELLO — 2011
What BANK OF MONTICELLO reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 98,730,000 | 99,744,000 | 99,580,000 | 95,753,000 |
| Total loans | 73,428,000 | 73,284,000 | 71,490,000 | 70,343,000 |
| Allowance for loan losses | 1,154,000 | 1,179,000 | 1,168,000 | 1,312,000 |
| Securities available for sale | 9,424,000 | 10,782,000 | 9,840,000 | 9,941,000 |
| Securities held to maturity | 549,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,908,000 | 91,822,000 | 90,848,000 | 88,212,000 |
| Interest-bearing deposits | 84,939,000 | 85,035,000 | 83,589,000 | 80,933,000 |
| Noninterest-bearing deposits | 5,969,000 | 6,787,000 | 7,259,000 | 7,279,000 |
| Equity capital | 7,411,000 | 7,472,000 | 8,341,000 | 7,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,416,000 | 3,614,000 | 4,765,000 |
| Interest expense | 351,000 | 683,000 | 973,000 | 1,235,000 |
| Net interest income | 868,000 | 1,733,000 | 2,641,000 | 3,530,000 |
| Noninterest income | 92,000 | 197,000 | 1,126,000 | 1,248,000 |
| Noninterest expense | 699,000 | 1,419,000 | 2,139,000 | 2,950,000 |
| Provision for loan losses | 200,000 | 500,000 | 800,000 | 2,123,000 |
| Pretax income | 61,000 | 11,000 | 828,000 | -295,000 |
| Income tax | 0 | 1,000 | 1,000 | 0 |
| Net income | 61,000 | 10,000 | 827,000 | -295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,268,000 | 7,216,000 | 8,033,000 | 6,912,000 |
| Total capital | 8,109,000 | 8,056,000 | 8,866,000 | 7,726,000 |
| Risk-weighted assets | 66,968,000 | 66,855,000 | 66,318,000 | 64,641,000 |