Call reports 2012
BANK OF MONTICELLO — 2012
What BANK OF MONTICELLO reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 96,845,000 | 96,486,000 | 96,346,000 | 93,785,000 |
| Total loans | 69,686,000 | 68,619,000 | 66,852,000 | 65,316,000 |
| Allowance for loan losses | 1,381,000 | 1,736,000 | 1,749,000 | 1,879,000 |
| Securities available for sale | 10,581,000 | 10,871,000 | 11,188,000 | 13,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,259,000 | 88,926,000 | 88,959,000 | 88,416,000 |
| Interest-bearing deposits | 80,754,000 | 80,255,000 | 80,820,000 | 79,680,000 |
| Noninterest-bearing deposits | 8,505,000 | 8,671,000 | 8,139,000 | 8,736,000 |
| Equity capital | 7,180,000 | 7,107,000 | 6,942,000 | 4,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,311,000 | 3,395,000 | 4,399,000 |
| Interest expense | 238,000 | 454,000 | 656,000 | 830,000 |
| Net interest income | 935,000 | 1,857,000 | 2,739,000 | 3,569,000 |
| Noninterest income | 93,000 | 195,000 | 298,000 | 49,000 |
| Noninterest expense | 686,000 | 1,405,000 | 2,196,000 | 2,818,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,100,000 | 2,975,000 |
| Pretax income | 42,000 | -153,000 | -259,000 | -2,175,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 42,000 | -153,000 | -259,000 | -2,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,962,000 | 6,727,000 | 6,621,000 | 4,736,000 |
| Total capital | 7,748,000 | 7,504,000 | 7,378,000 | 5,466,000 |
| Risk-weighted assets | 62,274,000 | 61,240,000 | 59,585,000 | 57,258,000 |