Call reports 2017
FIRST NATIONAL BANK OF MONTEREY, THE — 2017
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 315,877,000 | 318,809,000 | 325,087,000 | 321,256,000 |
| Total loans | 179,818,000 | 183,795,000 | 187,427,000 | 190,128,000 |
| Allowance for loan losses | 4,242,000 | 4,205,000 | 4,252,000 | 4,299,000 |
| Securities available for sale | 106,830,000 | 112,123,000 | 110,900,000 | 109,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,422,000 | 275,041,000 | 270,310,000 | 278,131,000 |
| Interest-bearing deposits | 244,719,000 | 246,061,000 | 241,169,000 | 245,624,000 |
| Noninterest-bearing deposits | 33,703,000 | 28,980,000 | 29,141,000 | 32,507,000 |
| Equity capital | 35,976,000 | 37,152,000 | 38,188,000 | 37,045,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,756,000 | 5,569,000 | 8,504,000 | 11,501,000 |
| Interest expense | 421,000 | 869,000 | 1,327,000 | 1,869,000 |
| Net interest income | 2,335,000 | 4,700,000 | 7,177,000 | 9,632,000 |
| Noninterest income | 172,000 | 255,000 | 517,000 | 678,000 |
| Noninterest expense | 1,780,000 | 3,424,000 | 5,237,000 | 6,792,000 |
| Provision for loan losses | 50,000 | 50,000 | 100,000 | 150,000 |
| Pretax income | 677,000 | 1,491,000 | 2,390,000 | 3,407,000 |
| Income tax | 189,000 | 448,000 | 592,000 | 1,526,000 |
| Net income | 488,000 | 1,043,000 | 1,798,000 | 1,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,564,000 | 38,119,000 | 38,870,000 | 38,303,000 |
| Total capital | 40,366,000 | 40,924,000 | 41,744,000 | 41,199,000 |
| Risk-weighted assets | 222,629,000 | 223,009,000 | 228,532,000 | 229,571,000 |