Call reports 2005
FIRST NATIONAL BANK OF MONTEREY, THE — 2005
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 225,945,000 | 230,023,000 | 229,594,000 | 232,986,000 |
| Total loans | 110,327,000 | 112,835,000 | 114,400,000 | 115,113,000 |
| Allowance for loan losses | 1,495,000 | 1,569,000 | 1,628,000 | 1,752,000 |
| Securities available for sale | 98,158,000 | 101,627,000 | 100,494,000 | 100,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,294,000 | 208,997,000 | 198,491,000 | 208,307,000 |
| Interest-bearing deposits | 191,534,000 | 192,774,000 | 182,002,000 | 188,885,000 |
| Noninterest-bearing deposits | 14,760,000 | 16,223,000 | 16,489,000 | 19,422,000 |
| Equity capital | 19,175,000 | 20,023,000 | 20,179,000 | 19,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,768,000 | 5,571,000 | 8,472,000 | 11,410,000 |
| Interest expense | 1,123,000 | 2,308,000 | 3,632,000 | 5,100,000 |
| Net interest income | 1,645,000 | 3,263,000 | 4,840,000 | 6,310,000 |
| Noninterest income | 96,000 | 169,000 | 250,000 | 349,000 |
| Noninterest expense | 1,088,000 | 2,213,000 | 3,338,000 | 4,510,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 731,000 | 1,207,000 | 1,652,000 | 1,967,000 |
| Income tax | 134,000 | 183,000 | 206,000 | 184,000 |
| Net income | 597,000 | 1,024,000 | 1,446,000 | 1,783,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,465,000 | 20,895,000 | 21,315,000 | 21,049,000 |
| Total capital | 21,960,000 | 22,464,000 | 22,943,000 | 22,801,000 |
| Risk-weighted assets | 128,777,000 | 148,300,000 | 150,067,000 | 152,624,000 |
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