Call reports 2013
BANK OF MONTICELLO — 2013
What BANK OF MONTICELLO reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 94,383,000 | 93,378,000 | 92,181,000 | 91,590,000 |
| Total loans | 64,507,000 | 64,591,000 | 63,629,000 | 63,480,000 |
| Allowance for loan losses | 2,078,000 | 2,122,000 | 1,946,000 | 1,729,000 |
| Securities available for sale | 12,825,000 | 13,359,000 | 13,899,000 | 14,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,988,000 | 88,161,000 | 86,854,000 | 86,342,000 |
| Interest-bearing deposits | 79,736,000 | 79,694,000 | 77,323,000 | 77,220,000 |
| Noninterest-bearing deposits | 9,252,000 | 8,467,000 | 9,531,000 | 9,122,000 |
| Equity capital | 4,953,000 | 4,781,000 | 4,887,000 | 4,795,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,053,000 | 2,103,000 | 3,180,000 | 4,244,000 |
| Interest expense | 155,000 | 300,000 | 437,000 | 570,000 |
| Net interest income | 898,000 | 1,803,000 | 2,743,000 | 3,674,000 |
| Noninterest income | 88,000 | 168,000 | 223,000 | 59,000 |
| Noninterest expense | 695,000 | 1,395,000 | 2,120,000 | 2,831,000 |
| Provision for loan losses | 275,000 | 475,000 | 505,000 | 555,000 |
| Pretax income | 16,000 | 101,000 | 341,000 | 347,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 101,000 | 341,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,753,000 | 4,838,000 | 5,077,000 | 5,084,000 |
| Total capital | 5,484,000 | 5,571,000 | 5,971,000 | 5,793,000 |
| Risk-weighted assets | 57,167,000 | 57,253,000 | 70,539,000 | 55,727,000 |