Call reports 2018
BANK OF MONTICELLO — 2018
What BANK OF MONTICELLO reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 107,649,000 | 107,675,000 | 112,109,000 | 108,667,000 |
| Total loans | 65,124,000 | 65,677,000 | 66,046,000 | 68,015,000 |
| Allowance for loan losses | 513,000 | 522,000 | 537,000 | 527,000 |
| Securities available for sale | 14,672,000 | 14,740,000 | 15,763,000 | 17,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,787,000 | 96,819,000 | 100,865,000 | 97,045,000 |
| Interest-bearing deposits | 82,241,000 | 82,322,000 | 82,892,000 | 81,718,000 |
| Noninterest-bearing deposits | 14,546,000 | 14,497,000 | 17,973,000 | 15,327,000 |
| Equity capital | 9,919,000 | 9,852,000 | 10,289,000 | 10,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,129,000 | 2,292,000 | 3,471,000 | 4,742,000 |
| Interest expense | 98,000 | 200,000 | 306,000 | 432,000 |
| Net interest income | 1,031,000 | 2,092,000 | 3,165,000 | 4,310,000 |
| Noninterest income | 143,000 | 282,000 | 433,000 | 587,000 |
| Noninterest expense | 766,000 | 1,546,000 | 2,339,000 | 3,238,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 155,000 |
| Pretax income | 378,000 | 768,000 | 1,169,000 | 1,504,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 378,000 | 768,000 | 1,169,000 | 1,504,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,330,000 | 10,250,000 | 10,652,000 | 10,987,000 |
| Total capital | 10,843,000 | 10,772,000 | 11,189,000 | 11,514,000 |
| Risk-weighted assets | 62,106,000 | 63,068,000 | 63,139,000 | 65,274,000 |