Call reports 2010
FIRST NATIONAL BANK OF MONTEREY, THE — 2010
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 265,429,000 | 271,430,000 | 278,654,000 | 286,044,000 |
| Total loans | 146,423,000 | 148,410,000 | 147,985,000 | 146,776,000 |
| Allowance for loan losses | 1,976,000 | 2,036,000 | 2,098,000 | 2,052,000 |
| Securities available for sale | 85,127,000 | 86,757,000 | 93,440,000 | 101,708,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,881,000 | 242,499,000 | 248,748,000 | 257,475,000 |
| Interest-bearing deposits | 218,956,000 | 225,965,000 | 230,445,000 | 237,831,000 |
| Noninterest-bearing deposits | 17,925,000 | 16,534,000 | 18,303,000 | 19,644,000 |
| Equity capital | 27,312,000 | 27,847,000 | 28,262,000 | 27,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,967,000 | 5,826,000 | 8,725,000 | 11,480,000 |
| Interest expense | 935,000 | 1,873,000 | 2,799,000 | 3,678,000 |
| Net interest income | 2,032,000 | 3,953,000 | 5,926,000 | 7,802,000 |
| Noninterest income | 100,000 | 265,000 | 427,000 | 601,000 |
| Noninterest expense | 1,383,000 | 2,851,000 | 4,332,000 | 5,849,000 |
| Provision for loan losses | 60,000 | 200,000 | 320,000 | 420,000 |
| Pretax income | 753,000 | 1,347,000 | 1,977,000 | 2,420,000 |
| Income tax | 233,000 | 414,000 | 597,000 | 703,000 |
| Net income | 520,000 | 933,000 | 1,380,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,678,000 | 27,096,000 | 27,595,000 | 27,332,000 |
| Total capital | 28,654,000 | 29,132,000 | 29,693,000 | 29,384,000 |
| Risk-weighted assets | 182,900,000 | 186,760,000 | 186,647,000 | 185,080,000 |