Call reports 2016
BANK OF MONTICELLO — 2016
What BANK OF MONTICELLO reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 100,923,000 | 102,042,000 | 101,273,000 | 103,224,000 |
| Total loans | 59,864,000 | 60,107,000 | 60,932,000 | 61,304,000 |
| Allowance for loan losses | 1,170,000 | 1,411,000 | 1,412,000 | 711,000 |
| Securities available for sale | 13,015,000 | 12,876,000 | 13,123,000 | 13,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,710,000 | 93,623,000 | 92,562,000 | 93,826,000 |
| Interest-bearing deposits | 80,399,000 | 80,524,000 | 78,833,000 | 79,221,000 |
| Noninterest-bearing deposits | 12,311,000 | 13,099,000 | 13,729,000 | 14,605,000 |
| Equity capital | 7,590,000 | 7,735,000 | 8,043,000 | 8,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 994,000 | 2,014,000 | 3,053,000 | 4,159,000 |
| Interest expense | 108,000 | 217,000 | 324,000 | 429,000 |
| Net interest income | 886,000 | 1,797,000 | 2,729,000 | 3,730,000 |
| Noninterest income | 119,000 | 242,000 | 374,000 | 500,000 |
| Noninterest expense | 767,000 | 1,553,000 | 2,296,000 | 3,086,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 238,000 | 486,000 | 807,000 | 1,644,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 238,000 | 486,000 | 807,000 | 1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,441,000 | 7,519,000 | 7,840,000 | 8,776,000 |
| Total capital | 8,114,000 | 8,195,000 | 8,536,000 | 9,480,000 |
| Risk-weighted assets | 53,416,000 | 53,362,000 | 54,989,000 | 56,337,000 |