Call reports 2019
BANK OF MONTICELLO — 2019
What BANK OF MONTICELLO reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 107,604,000 | 106,512,000 | 109,075,000 | 110,133,000 |
| Total loans | 69,063,000 | 69,551,000 | 71,109,000 | 72,111,000 |
| Allowance for loan losses | 621,000 | 681,000 | 683,000 | 730,000 |
| Securities available for sale | 16,424,000 | 15,335,000 | 17,111,000 | 14,971,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,574,000 | 94,056,000 | 96,160,000 | 96,783,000 |
| Interest-bearing deposits | 80,628,000 | 78,184,000 | 80,071,000 | 81,517,000 |
| Noninterest-bearing deposits | 14,946,000 | 15,872,000 | 16,089,000 | 15,266,000 |
| Equity capital | 11,119,000 | 11,458,000 | 11,966,000 | 12,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,253,000 | 2,561,000 | 3,883,000 | 5,214,000 |
| Interest expense | 137,000 | 270,000 | 404,000 | 543,000 |
| Net interest income | 1,116,000 | 2,291,000 | 3,479,000 | 4,671,000 |
| Noninterest income | 141,000 | 314,000 | 452,000 | 624,000 |
| Noninterest expense | 798,000 | 1,596,000 | 2,387,000 | 3,216,000 |
| Provision for loan losses | 37,000 | 75,000 | 120,000 | 264,000 |
| Pretax income | 422,000 | 934,000 | 1,424,000 | 1,815,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 422,000 | 934,000 | 1,424,000 | 1,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,266,000 | 11,418,000 | 11,907,000 | 12,299,000 |
| Total capital | 11,887,000 | 12,099,000 | 12,590,000 | 13,029,000 |
| Risk-weighted assets | 66,644,000 | 67,044,000 | 69,686,000 | 69,445,000 |