Call reports 2019
FIRST NATIONAL BANK OF MONTEREY, THE — 2019
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 325,660,000 | 322,503,000 | 330,102,000 | 330,397,000 |
| Total loans | 202,753,000 | 206,517,000 | 211,127,000 | 209,337,000 |
| Allowance for loan losses | 4,700,000 | 4,766,000 | 4,793,000 | 4,727,000 |
| Securities available for sale | 98,127,000 | 95,544,000 | 93,909,000 | 91,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,391,000 | 259,303,000 | 265,474,000 | 271,211,000 |
| Interest-bearing deposits | 232,718,000 | 226,253,000 | 231,318,000 | 235,827,000 |
| Noninterest-bearing deposits | 31,673,000 | 33,050,000 | 34,156,000 | 35,384,000 |
| Equity capital | 39,884,000 | 41,982,000 | 43,182,000 | 43,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,328,000 | 6,693,000 | 10,128,000 | 13,590,000 |
| Interest expense | 877,000 | 1,862,000 | 2,818,000 | 3,728,000 |
| Net interest income | 2,451,000 | 4,831,000 | 7,310,000 | 9,862,000 |
| Noninterest income | 214,000 | 350,000 | 500,000 | 431,000 |
| Noninterest expense | 1,765,000 | 3,411,000 | 5,129,000 | 7,043,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 829,000 | 1,609,000 | 2,563,000 | 3,131,000 |
| Income tax | 123,000 | 236,000 | 393,000 | 452,000 |
| Net income | 706,000 | 1,373,000 | 2,170,000 | 2,679,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,102,000 | 41,770,000 | 42,564,000 | 42,426,000 |
| Total capital | 44,039,000 | 44,639,000 | 45,635,000 | 45,314,000 |
| Risk-weighted assets | 233,210,000 | 227,659,000 | 243,985,000 | 229,204,000 |