Call reports 2022
FIRST NATIONAL BANK OF MONTEREY, THE — 2022
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 407,568,000 | 399,902,000 | 400,786,000 | 417,275,000 |
| Total loans | 187,386,000 | 197,553,000 | 208,269,000 | 217,617,000 |
| Allowance for loan losses | 4,846,000 | 4,843,000 | 4,751,000 | 4,753,000 |
| Securities available for sale | 156,947,000 | 162,996,000 | 166,074,000 | 164,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 364,636,000 | 364,398,000 | 351,810,000 | 356,875,000 |
| Interest-bearing deposits | 296,480,000 | 301,578,000 | 289,284,000 | 289,374,000 |
| Noninterest-bearing deposits | 68,156,000 | 62,820,000 | 62,526,000 | 67,501,000 |
| Equity capital | 41,503,000 | 34,067,000 | 32,240,000 | 34,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,891,000 | 6,022,000 | 9,418,000 | 13,097,000 |
| Interest expense | 488,000 | 996,000 | 1,639,000 | 2,671,000 |
| Net interest income | 2,403,000 | 5,026,000 | 7,779,000 | 10,426,000 |
| Noninterest income | 173,000 | 345,000 | 517,000 | 680,000 |
| Noninterest expense | 1,849,000 | 3,737,000 | 5,578,000 | 7,505,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 746,000 | 1,653,000 | 2,733,000 | 3,616,000 |
| Income tax | 94,000 | 226,000 | 397,000 | 515,000 |
| Net income | 652,000 | 1,427,000 | 2,336,000 | 3,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,169,000 | 48,945,000 | 49,854,000 | 49,994,000 |