Call reports 2008
FIRST NATIONAL BANK OF MONTEREY, THE — 2008
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 236,767,000 | 233,098,000 | 235,825,000 | 241,181,000 |
| Total loans | 138,772,000 | 137,032,000 | 141,243,000 | 145,893,000 |
| Allowance for loan losses | 1,971,000 | 1,926,000 | 1,915,000 | 1,919,000 |
| Securities available for sale | 74,545,000 | 79,185,000 | 77,702,000 | 76,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,990,000 | 209,179,000 | 209,557,000 | 212,262,000 |
| Interest-bearing deposits | 193,657,000 | 189,485,000 | 192,778,000 | 194,383,000 |
| Noninterest-bearing deposits | 19,333,000 | 19,694,000 | 16,779,000 | 17,879,000 |
| Equity capital | 23,077,000 | 22,766,000 | 23,969,000 | 24,887,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,389,000 | 6,704,000 | 9,876,000 | 13,174,000 |
| Interest expense | 1,734,000 | 3,254,000 | 4,689,000 | 6,074,000 |
| Net interest income | 1,655,000 | 3,450,000 | 5,187,000 | 7,100,000 |
| Noninterest income | 103,000 | 180,000 | 456,000 | 605,000 |
| Noninterest expense | 1,256,000 | 2,412,000 | 3,593,000 | 4,817,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 521,000 | 1,303,000 | 2,150,000 | 3,011,000 |
| Income tax | 140,000 | 306,000 | 508,000 | 645,000 |
| Net income | 381,000 | 997,000 | 1,642,000 | 2,366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,934,000 | 23,543,000 | 24,184,000 | 24,308,000 |
| Total capital | 24,905,000 | 25,469,000 | 26,099,000 | 26,228,000 |
| Risk-weighted assets | 171,718,000 | 171,082,000 | 175,004,000 | 178,365,000 |
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