Call reports 2015
BANK OF MONTICELLO — 2015
What BANK OF MONTICELLO reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 95,472,000 | 96,494,000 | 99,402,000 | 99,190,000 |
| Total loans | 63,952,000 | 63,818,000 | 62,398,000 | 60,877,000 |
| Allowance for loan losses | 1,487,000 | 1,411,000 | 1,294,000 | 1,167,000 |
| Securities available for sale | 14,383,000 | 14,496,000 | 13,817,000 | 13,348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,366,000 | 89,142,000 | 91,654,000 | 91,379,000 |
| Interest-bearing deposits | 76,744,000 | 77,712,000 | 78,231,000 | 79,313,000 |
| Noninterest-bearing deposits | 11,622,000 | 11,430,000 | 13,423,000 | 12,066,000 |
| Equity capital | 6,598,000 | 6,823,000 | 7,195,000 | 7,241,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,023,000 | 2,063,000 | 3,096,000 | 4,119,000 |
| Interest expense | 114,000 | 229,000 | 343,000 | 457,000 |
| Net interest income | 909,000 | 1,834,000 | 2,753,000 | 3,662,000 |
| Noninterest income | 95,000 | 229,000 | 351,000 | 466,000 |
| Noninterest expense | 733,000 | 1,470,000 | 2,229,000 | 3,059,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 271,000 | 593,000 | 875,000 | 1,069,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 271,000 | 593,000 | 875,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,474,000 | 6,796,000 | 7,078,000 | 7,203,000 |
| Total capital | 7,171,000 | 7,492,000 | 7,756,000 | 7,887,000 |
| Risk-weighted assets | 55,002,000 | 54,999,000 | 53,651,000 | 54,274,000 |