Call reports 2013
FIRST NATIONAL BANK OF MONTEREY, THE — 2013
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 331,838,000 | 330,152,000 | 326,611,000 | 314,914,000 |
| Total loans | 144,779,000 | 148,161,000 | 157,742,000 | 159,759,000 |
| Allowance for loan losses | 2,821,000 | 2,969,000 | 3,043,000 | 3,162,000 |
| Securities available for sale | 135,784,000 | 144,467,000 | 141,952,000 | 127,382,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 299,147,000 | 298,879,000 | 288,172,000 | 284,067,000 |
| Interest-bearing deposits | 267,488,000 | 265,598,000 | 250,493,000 | 253,627,000 |
| Noninterest-bearing deposits | 31,659,000 | 33,281,000 | 37,679,000 | 30,440,000 |
| Equity capital | 31,419,000 | 30,077,000 | 30,054,000 | 29,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,595,000 | 5,128,000 | 7,749,000 | 10,545,000 |
| Interest expense | 491,000 | 977,000 | 1,466,000 | 1,936,000 |
| Net interest income | 2,104,000 | 4,151,000 | 6,283,000 | 8,609,000 |
| Noninterest income | 118,000 | 253,000 | 445,000 | 494,000 |
| Noninterest expense | 1,136,000 | 2,583,000 | 3,960,000 | 5,814,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 982,000 | 1,631,000 | 2,550,000 | 2,962,000 |
| Income tax | 274,000 | 418,000 | 661,000 | 725,000 |
| Net income | 708,000 | 1,213,000 | 1,889,000 | 2,237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,018,000 | 31,522,000 | 32,200,000 | 31,946,000 |
| Total capital | 33,377,000 | 34,195,000 | 34,860,000 | 34,613,000 |
| Risk-weighted assets | 188,164,000 | 213,572,000 | 212,396,000 | 212,909,000 |