Call reports 2011
FIRST NATIONAL BANK OF MONTEREY, THE — 2011
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 296,251,000 | 295,225,000 | 295,559,000 | 294,801,000 |
| Total loans | 144,525,000 | 147,687,000 | 151,199,000 | 150,750,000 |
| Allowance for loan losses | 2,056,000 | 2,121,000 | 2,302,000 | 2,578,000 |
| Securities available for sale | 110,104,000 | 112,668,000 | 115,235,000 | 121,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,924,000 | 264,703,000 | 264,411,000 | 264,347,000 |
| Interest-bearing deposits | 245,186,000 | 245,026,000 | 244,361,000 | 239,517,000 |
| Noninterest-bearing deposits | 21,738,000 | 19,677,000 | 20,050,000 | 24,830,000 |
| Equity capital | 27,907,000 | 28,881,000 | 29,575,000 | 29,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,779,000 | 5,606,000 | 8,442,000 | 11,352,000 |
| Interest expense | 857,000 | 1,679,000 | 2,428,000 | 3,058,000 |
| Net interest income | 1,922,000 | 3,927,000 | 6,014,000 | 8,294,000 |
| Noninterest income | 165,000 | 366,000 | 523,000 | 775,000 |
| Noninterest expense | 1,430,000 | 2,921,000 | 4,434,000 | 5,947,000 |
| Provision for loan losses | 140,000 | 285,000 | 500,000 | 776,000 |
| Pretax income | 549,000 | 1,182,000 | 1,762,000 | 2,599,000 |
| Income tax | 127,000 | 293,000 | 419,000 | 682,000 |
| Net income | 422,000 | 889,000 | 1,343,000 | 1,917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,747,000 | 28,220,000 | 28,671,000 | 28,648,000 |
| Total capital | 29,803,000 | 30,341,000 | 30,910,000 | 30,982,000 |
| Risk-weighted assets | 183,454,000 | 183,892,000 | 185,536,000 | 185,749,000 |