Call reports 2021
BANK OF MONTICELLO — 2021
What BANK OF MONTICELLO reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 150,230,000 | 150,355,000 | 155,477,000 | 160,983,000 |
| Total loans | 77,396,000 | 76,930,000 | 78,211,000 | 80,924,000 |
| Allowance for loan losses | 1,071,000 | 1,116,000 | 1,163,000 | 1,153,000 |
| Securities available for sale | 22,961,000 | 23,885,000 | 22,523,000 | 21,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,703,000 | 135,573,000 | 140,075,000 | 145,536,000 |
| Interest-bearing deposits | 108,089,000 | 106,708,000 | 107,984,000 | 113,293,000 |
| Noninterest-bearing deposits | 27,614,000 | 28,865,000 | 32,091,000 | 32,243,000 |
| Equity capital | 13,476,000 | 13,616,000 | 14,278,000 | 14,450,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,388,000 | 2,984,000 | 4,484,000 | 5,901,000 |
| Interest expense | 141,000 | 256,000 | 367,000 | 472,000 |
| Net interest income | 1,247,000 | 2,728,000 | 4,117,000 | 5,429,000 |
| Noninterest income | 130,000 | 286,000 | 426,000 | 577,000 |
| Noninterest expense | 812,000 | 1,658,000 | 2,506,000 | 3,360,000 |
| Provision for loan losses | 45,000 | 67,000 | 90,000 | 90,000 |
| Pretax income | 520,000 | 1,289,000 | 1,947,000 | 2,556,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 520,000 | 1,289,000 | 1,947,000 | 2,556,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,245,000 | 13,368,000 | 13,972,000 | 14,404,000 |