Call reports 2009
FIRST NATIONAL BANK OF MONTEREY, THE — 2009
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 252,049,000 | 252,614,000 | 252,666,000 | 255,783,000 |
| Total loans | 142,261,000 | 143,243,000 | 147,861,000 | 147,442,000 |
| Allowance for loan losses | 1,922,000 | 1,932,000 | 1,787,000 | 1,955,000 |
| Securities available for sale | 82,271,000 | 86,502,000 | 87,349,000 | 87,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,438,000 | 225,445,000 | 224,335,000 | 227,994,000 |
| Interest-bearing deposits | 206,250,000 | 206,830,000 | 207,223,000 | 209,866,000 |
| Noninterest-bearing deposits | 19,188,000 | 18,615,000 | 17,112,000 | 18,128,000 |
| Equity capital | 25,480,000 | 25,889,000 | 26,990,000 | 26,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,199,000 | 6,263,000 | 9,347,000 | 12,440,000 |
| Interest expense | 1,244,000 | 2,342,000 | 3,306,000 | 4,288,000 |
| Net interest income | 1,955,000 | 3,921,000 | 6,041,000 | 8,152,000 |
| Noninterest income | 145,000 | 298,000 | 457,000 | 630,000 |
| Noninterest expense | 1,391,000 | 2,726,000 | 4,117,000 | 5,726,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 280,000 |
| Pretax income | 780,000 | 1,657,000 | 2,625,000 | 3,243,000 |
| Income tax | 191,000 | 426,000 | 702,000 | 737,000 |
| Net income | 589,000 | 1,231,000 | 1,923,000 | 2,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,833,000 | 25,476,000 | 26,170,000 | 26,158,000 |
| Total capital | 26,755,000 | 27,408,000 | 27,957,000 | 28,112,000 |
| Risk-weighted assets | 174,624,000 | 176,571,000 | 182,412,000 | 182,230,000 |
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