Call reports 2025
FIRST NATIONAL BANK OF MONTEREY, THE — 2025
What FIRST NATIONAL BANK OF MONTEREY, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 410,843,000 | 415,481,000 | 415,504,000 | 417,714,000 |
| Total loans | 221,829,000 | 231,662,000 | 240,430,000 | 244,365,000 |
| Allowance for loan losses | 4,735,000 | 4,737,000 | 4,742,000 | 4,718,000 |
| Securities available for sale | 147,515,000 | 149,089,000 | 150,718,000 | 148,278,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,915,000 | 371,872,000 | 361,306,000 | 367,022,000 |
| Interest-bearing deposits | 308,971,000 | 314,127,000 | 304,962,000 | 307,417,000 |
| Noninterest-bearing deposits | 58,944,000 | 57,745,000 | 56,344,000 | 59,605,000 |
| Equity capital | 41,073,000 | 41,776,000 | 46,098,000 | 47,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,800,000 | 9,809,000 | 14,864,000 | 20,039,000 |
| Interest expense | 2,255,000 | 4,541,000 | 6,808,000 | 8,991,000 |
| Net interest income | 2,545,000 | 5,268,000 | 8,056,000 | 11,048,000 |
| Noninterest income | 177,000 | 373,000 | 569,000 | 773,000 |
| Noninterest expense | 1,878,000 | 3,685,000 | 5,618,000 | 7,399,000 |
| Provision for loan losses | -17,000 | -17,000 | -17,000 | -17,000 |
| Pretax income | 844,000 | 1,956,000 | 3,007,000 | 4,422,000 |
| Income tax | 142,000 | 351,000 | 541,000 | 819,000 |
| Net income | 702,000 | 1,605,000 | 2,466,000 | 3,603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,948,000 | 54,852,000 | 55,712,000 | 56,145,000 |