Call reports 2022
BANK OF MONTICELLO — 2022
What BANK OF MONTICELLO reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 167,754,000 | 165,922,000 | 171,454,000 | 165,032,000 |
| Total loans | 82,419,000 | 86,707,000 | 90,392,000 | 89,671,000 |
| Allowance for loan losses | 1,164,000 | 1,136,000 | 1,135,000 | 1,261,000 |
| Securities available for sale | 21,481,000 | 21,124,000 | 21,176,000 | 21,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,767,000 | 152,139,000 | 156,812,000 | 149,706,000 |
| Interest-bearing deposits | 116,669,000 | 117,976,000 | 118,600,000 | 116,251,000 |
| Noninterest-bearing deposits | 36,098,000 | 34,163,000 | 38,212,000 | 33,455,000 |
| Equity capital | 13,920,000 | 12,665,000 | 13,441,000 | 14,327,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,420,000 | 2,962,000 | 4,789,000 | 6,853,000 |
| Interest expense | 101,000 | 201,000 | 303,000 | 448,000 |
| Net interest income | 1,319,000 | 2,761,000 | 4,486,000 | 6,405,000 |
| Noninterest income | 148,000 | 333,000 | 515,000 | 667,000 |
| Noninterest expense | 866,000 | 1,741,000 | 2,601,000 | 3,544,000 |
| Provision for loan losses | 0 | 0 | 40,000 | 202,000 |
| Pretax income | 601,000 | 1,353,000 | 2,360,000 | 3,326,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 601,000 | 1,353,000 | 2,360,000 | 3,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,951,000 | 14,836,000 | 15,788,000 | 16,432,000 |
| Total capital | 16,019,000 | 15,956,000 | 16,923,000 | 17,624,000 |
| Risk-weighted assets | 85,370,000 | 89,605,000 | 94,636,000 | 95,307,000 |