Call reports 2021
FIRST NATIONAL BANK OF MONTEREY, THE — 2021
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 378,807,000 | 386,684,000 | 390,548,000 | 402,852,000 |
| Total loans | 202,499,000 | 204,964,000 | 201,089,000 | 196,690,000 |
| Allowance for loan losses | 4,843,000 | 4,852,000 | 4,846,000 | 4,842,000 |
| Securities available for sale | 110,852,000 | 124,195,000 | 150,700,000 | 146,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,287,000 | 337,098,000 | 339,679,000 | 353,870,000 |
| Interest-bearing deposits | 276,672,000 | 286,086,000 | 282,328,000 | 292,815,000 |
| Noninterest-bearing deposits | 53,615,000 | 51,012,000 | 57,351,000 | 61,055,000 |
| Equity capital | 46,971,000 | 48,111,000 | 49,163,000 | 47,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,107,000 | 6,211,000 | 9,672,000 | 12,714,000 |
| Interest expense | 596,000 | 1,148,000 | 1,687,000 | 2,197,000 |
| Net interest income | 2,511,000 | 5,063,000 | 7,985,000 | 10,517,000 |
| Noninterest income | 144,000 | 279,000 | 449,000 | 604,000 |
| Noninterest expense | 1,815,000 | 3,695,000 | 5,341,000 | 7,233,000 |
| Provision for loan losses | 30,000 | 40,000 | 40,000 | 40,000 |
| Pretax income | 865,000 | 1,662,000 | 3,266,000 | 4,112,000 |
| Income tax | 128,000 | 235,000 | 546,000 | 662,000 |
| Net income | 737,000 | 1,427,000 | 2,720,000 | 3,450,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,514,000 | 46,205,000 | 47,498,000 | 47,518,000 |