Call reports 2015
FIRST NATIONAL BANK OF MONTEREY, THE — 2015
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 312,006,000 | 305,228,000 | 308,785,000 | 304,815,000 |
| Total loans | 174,582,000 | 180,510,000 | 186,069,000 | 181,827,000 |
| Allowance for loan losses | 3,523,000 | 3,672,000 | 3,822,000 | 3,958,000 |
| Securities available for sale | 117,838,000 | 105,875,000 | 103,501,000 | 97,839,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,631,000 | 269,616,000 | 262,451,000 | 269,083,000 |
| Interest-bearing deposits | 246,134,000 | 241,775,000 | 238,067,000 | 238,923,000 |
| Noninterest-bearing deposits | 30,497,000 | 27,841,000 | 24,384,000 | 30,160,000 |
| Equity capital | 34,013,000 | 33,641,000 | 34,882,000 | 34,717,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,814,000 | 5,537,000 | 8,303,000 | 11,065,000 |
| Interest expense | 418,000 | 830,000 | 1,251,000 | 1,680,000 |
| Net interest income | 2,396,000 | 4,707,000 | 7,052,000 | 9,385,000 |
| Noninterest income | 144,000 | 307,000 | 429,000 | 619,000 |
| Noninterest expense | 1,614,000 | 3,423,000 | 4,827,000 | 6,554,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 810,000 | 1,417,000 | 2,364,000 | 3,018,000 |
| Income tax | 213,000 | 428,000 | 661,000 | 821,000 |
| Net income | 597,000 | 989,000 | 1,703,000 | 2,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,283,000 | 34,675,000 | 35,389,000 | 35,233,000 |
| Total capital | 36,877,000 | 37,316,000 | 38,118,000 | 37,914,000 |
| Risk-weighted assets | 206,564,000 | 210,268,000 | 217,300,000 | 213,249,000 |