Call reports 2014
FIRST NATIONAL BANK OF MONTEREY, THE — 2014
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 325,449,000 | 323,366,000 | 314,771,000 | 317,970,000 |
| Total loans | 155,914,000 | 162,609,000 | 171,927,000 | 179,247,000 |
| Allowance for loan losses | 3,283,000 | 3,298,000 | 3,300,000 | 3,375,000 |
| Securities available for sale | 127,691,000 | 129,980,000 | 124,941,000 | 121,030,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 293,388,000 | 289,692,000 | 280,358,000 | 283,689,000 |
| Interest-bearing deposits | 259,688,000 | 257,633,000 | 251,954,000 | 251,030,000 |
| Noninterest-bearing deposits | 33,700,000 | 32,059,000 | 28,404,000 | 32,659,000 |
| Equity capital | 30,921,000 | 32,212,000 | 32,876,000 | 33,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,700,000 | 5,405,000 | 8,145,000 | 10,937,000 |
| Interest expense | 451,000 | 890,000 | 1,328,000 | 1,760,000 |
| Net interest income | 2,249,000 | 4,515,000 | 6,817,000 | 9,177,000 |
| Noninterest income | 129,000 | 273,000 | 414,000 | 452,000 |
| Noninterest expense | 1,632,000 | 3,115,000 | 4,640,000 | 6,220,000 |
| Provision for loan losses | 150,000 | 200,000 | 200,000 | 300,000 |
| Pretax income | 612,000 | 1,524,000 | 2,476,000 | 3,237,000 |
| Income tax | 197,000 | 415,000 | 694,000 | 898,000 |
| Net income | 415,000 | 1,109,000 | 1,782,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,361,000 | 33,055,000 | 33,728,000 | 33,686,000 |
| Total capital | 34,824,000 | 35,717,000 | 36,264,000 | 36,302,000 |
| Risk-weighted assets | 209,863,000 | 212,303,000 | 202,057,000 | 208,454,000 |