Call reports 2007
FIRST NATIONAL BANK OF MONTEREY, THE — 2007
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 242,116,000 | 247,821,000 | 247,722,000 | 240,492,000 |
| Total loans | 133,800,000 | 141,100,000 | 140,134,000 | 139,396,000 |
| Allowance for loan losses | 2,002,000 | 2,005,000 | 2,011,000 | 1,965,000 |
| Securities available for sale | 94,735,000 | 92,495,000 | 92,959,000 | 83,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,593,000 | 197,473,000 | 193,565,000 | 208,757,000 |
| Interest-bearing deposits | 183,965,000 | 181,450,000 | 177,278,000 | 190,270,000 |
| Noninterest-bearing deposits | 15,628,000 | 16,023,000 | 16,287,000 | 18,487,000 |
| Equity capital | 20,628,000 | 20,462,000 | 21,594,000 | 22,204,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,373,000 | 6,860,000 | 10,417,000 | 13,993,000 |
| Interest expense | 2,019,000 | 4,096,000 | 6,255,000 | 8,328,000 |
| Net interest income | 1,354,000 | 2,764,000 | 4,162,000 | 5,665,000 |
| Noninterest income | 82,000 | 174,000 | 300,000 | 413,000 |
| Noninterest expense | 1,148,000 | 2,278,000 | 3,354,000 | 4,491,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 249,000 | 583,000 | 1,005,000 | 1,499,000 |
| Income tax | 47,000 | 33,000 | 98,000 | 183,000 |
| Net income | 202,000 | 550,000 | 907,000 | 1,316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,908,000 | 22,240,000 | 22,599,000 | 22,602,000 |
| Total capital | 23,910,000 | 24,245,000 | 24,610,000 | 24,567,000 |
| Risk-weighted assets | 169,448,000 | 177,065,000 | 176,453,000 | 173,530,000 |
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