Call reports 2012
FIRST NATIONAL BANK OF MONTEREY, THE — 2012
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 310,962,000 | 314,822,000 | 311,510,000 | 314,632,000 |
| Total loans | 145,475,000 | 149,826,000 | 151,697,000 | 158,150,000 |
| Allowance for loan losses | 2,709,000 | 2,783,000 | 2,789,000 | 2,890,000 |
| Securities available for sale | 124,348,000 | 138,368,000 | 137,829,000 | 130,497,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 280,052,000 | 283,473,000 | 278,988,000 | 279,719,000 |
| Interest-bearing deposits | 257,214,000 | 261,526,000 | 256,897,000 | 251,864,000 |
| Noninterest-bearing deposits | 22,838,000 | 21,947,000 | 22,091,000 | 27,855,000 |
| Equity capital | 29,785,000 | 30,210,000 | 31,189,000 | 30,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,672,000 | 5,389,000 | 8,118,000 | 10,805,000 |
| Interest expense | 576,000 | 1,134,000 | 1,679,000 | 2,198,000 |
| Net interest income | 2,096,000 | 4,255,000 | 6,439,000 | 8,607,000 |
| Noninterest income | 228,000 | 390,000 | 614,000 | 766,000 |
| Noninterest expense | 1,457,000 | 2,998,000 | 4,491,000 | 6,027,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 744,000 | 1,451,000 | 2,351,000 | 3,056,000 |
| Income tax | 209,000 | 420,000 | 658,000 | 798,000 |
| Net income | 535,000 | 1,031,000 | 1,693,000 | 2,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,183,000 | 29,680,000 | 30,342,000 | 30,310,000 |
| Total capital | 31,420,000 | 31,981,000 | 32,702,000 | 32,750,000 |
| Risk-weighted assets | 179,282,000 | 184,015,000 | 188,338,000 | 195,269,000 |