Call reports 2016
FIRST NATIONAL BANK OF MONTEREY, THE — 2016
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 302,543,000 | 305,282,000 | 307,589,000 | 314,816,000 |
| Total loans | 176,078,000 | 180,116,000 | 184,207,000 | 183,265,000 |
| Allowance for loan losses | 4,204,000 | 4,350,000 | 4,144,000 | 4,181,000 |
| Securities available for sale | 102,102,000 | 107,367,000 | 103,271,000 | 101,737,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,520,000 | 267,299,000 | 264,080,000 | 278,626,000 |
| Interest-bearing deposits | 235,208,000 | 238,595,000 | 235,038,000 | 244,257,000 |
| Noninterest-bearing deposits | 30,312,000 | 28,704,000 | 29,042,000 | 34,369,000 |
| Equity capital | 35,590,000 | 36,615,000 | 37,086,000 | 34,609,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,662,000 | 5,391,000 | 8,136,000 | 10,886,000 |
| Interest expense | 413,000 | 832,000 | 1,262,000 | 1,700,000 |
| Net interest income | 2,249,000 | 4,559,000 | 6,874,000 | 9,186,000 |
| Noninterest income | 166,000 | 329,000 | 528,000 | 695,000 |
| Noninterest expense | 1,611,000 | 3,094,000 | 4,681,000 | 6,243,000 |
| Provision for loan losses | 217,000 | 383,000 | 458,000 | 483,000 |
| Pretax income | 603,000 | 1,463,000 | 2,361,000 | 3,259,000 |
| Income tax | 131,000 | 360,000 | 600,000 | 762,000 |
| Net income | 472,000 | 1,103,000 | 1,761,000 | 2,497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,704,000 | 36,332,000 | 36,990,000 | 36,424,000 |
| Total capital | 38,342,000 | 39,024,000 | 39,734,000 | 39,102,000 |
| Risk-weighted assets | 209,545,000 | 213,775,000 | 218,129,000 | 212,693,000 |