Call reports 2025
BANK OF MONTICELLO — 2025
What BANK OF MONTICELLO reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 155,241,000 | 153,350,000 | 150,884,000 | 158,354,000 |
| Total loans | 108,566,000 | 111,668,000 | 110,502,000 | 112,991,000 |
| Allowance for loan losses | 1,518,000 | 1,529,000 | 1,485,000 | 1,658,000 |
| Securities available for sale | 18,198,000 | 17,738,000 | 17,767,000 | 16,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,842,000 | 133,089,000 | 128,971,000 | 136,704,000 |
| Interest-bearing deposits | 98,602,000 | 96,451,000 | 91,701,000 | 91,377,000 |
| Noninterest-bearing deposits | 36,240,000 | 36,638,000 | 37,270,000 | 45,327,000 |
| Equity capital | 19,514,000 | 19,280,000 | 20,938,000 | 20,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,438,000 | 4,948,000 | 7,558,000 | 10,103,000 |
| Interest expense | 418,000 | 823,000 | 1,223,000 | 1,610,000 |
| Net interest income | 2,020,000 | 4,125,000 | 6,335,000 | 8,493,000 |
| Noninterest income | 143,000 | 309,000 | 468,000 | 981,000 |
| Noninterest expense | 988,000 | 1,979,000 | 2,958,000 | 4,172,000 |
| Provision for loan losses | -15,000 | 23,000 | 81,000 | 557,000 |
| Pretax income | 1,138,000 | 2,380,000 | 3,712,000 | 4,693,000 |
| Income tax | 43,000 | 85,000 | 127,000 | 179,000 |
| Net income | 1,095,000 | 2,295,000 | 3,585,000 | 4,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,982,000 | 20,671,000 | 21,961,000 | 21,810,000 |
| Total capital | 22,356,000 | 22,092,000 | 23,384,000 | 23,240,000 |
| Risk-weighted assets | 109,746,000 | 113,582,000 | 113,794,000 | 114,151,000 |