Call reports 2014
BANK OF MONTICELLO — 2014
What BANK OF MONTICELLO reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 95,435,000 | 96,501,000 | 97,768,000 | 94,494,000 |
| Total loans | 62,907,000 | 63,015,000 | 63,594,000 | 64,275,000 |
| Allowance for loan losses | 1,708,000 | 1,719,000 | 1,639,000 | 1,518,000 |
| Securities available for sale | 14,883,000 | 15,189,000 | 15,174,000 | 14,519,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,754,000 | 90,432,000 | 91,386,000 | 87,742,000 |
| Interest-bearing deposits | 79,627,000 | 80,077,000 | 79,763,000 | 77,524,000 |
| Noninterest-bearing deposits | 10,127,000 | 10,355,000 | 11,623,000 | 10,218,000 |
| Equity capital | 5,214,000 | 5,576,000 | 5,872,000 | 6,263,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,041,000 | 2,085,000 | 3,134,000 | 4,185,000 |
| Interest expense | 131,000 | 268,000 | 401,000 | 529,000 |
| Net interest income | 910,000 | 1,817,000 | 2,733,000 | 3,656,000 |
| Noninterest income | 99,000 | 191,000 | 305,000 | 390,000 |
| Noninterest expense | 712,000 | 1,413,000 | 2,127,000 | 2,824,000 |
| Provision for loan losses | 75,000 | 125,000 | 125,000 | 155,000 |
| Pretax income | 222,000 | 470,000 | 786,000 | 1,067,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 222,000 | 470,000 | 786,000 | 1,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,421,000 | 5,669,000 | 5,986,000 | 6,267,000 |
| Total capital | 6,112,000 | 6,361,000 | 6,681,000 | 6,969,000 |
| Risk-weighted assets | 54,304,000 | 54,425,000 | 54,707,000 | 55,367,000 |