Call reports 2018
FIRST NATIONAL BANK OF MONTEREY, THE — 2018
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 319,052,000 | 320,483,000 | 331,058,000 | 327,584,000 |
| Total loans | 187,228,000 | 193,242,000 | 204,618,000 | 205,188,000 |
| Allowance for loan losses | 4,395,000 | 4,468,000 | 4,557,000 | 4,607,000 |
| Securities available for sale | 106,875,000 | 105,279,000 | 103,902,000 | 101,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,049,000 | 274,586,000 | 269,269,000 | 268,322,000 |
| Interest-bearing deposits | 242,848,000 | 243,251,000 | 238,095,000 | 238,747,000 |
| Noninterest-bearing deposits | 33,201,000 | 31,335,000 | 31,174,000 | 29,575,000 |
| Equity capital | 36,652,000 | 36,810,000 | 37,050,000 | 37,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,016,000 | 6,083,000 | 9,276,000 | 12,645,000 |
| Interest expense | 518,000 | 1,097,000 | 1,752,000 | 2,843,000 |
| Net interest income | 2,498,000 | 4,986,000 | 7,524,000 | 9,802,000 |
| Noninterest income | 174,000 | 329,000 | 430,000 | 157,000 |
| Noninterest expense | 1,800,000 | 3,545,000 | 5,344,000 | 6,641,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 804,000 | 1,627,000 | 2,392,000 | 3,025,000 |
| Income tax | 108,000 | 286,000 | 388,000 | 418,000 |
| Net income | 696,000 | 1,341,000 | 2,004,000 | 2,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,999,000 | 39,644,000 | 40,306,000 | 40,396,000 |
| Total capital | 41,861,000 | 42,600,000 | 43,290,000 | 43,375,000 |
| Risk-weighted assets | 227,413,000 | 234,957,000 | 237,156,000 | 236,707,000 |