Call reports 2001
MONTEREY COUNTY BANK — 2001
What MONTEREY COUNTY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 71,458,000 | 74,172,000 | 75,630,000 | 79,219,000 |
| Total loans | 47,678,000 | 47,098,000 | 51,337,000 | 53,120,000 |
| Allowance for loan losses | 472,000 | 512,000 | 532,000 | 566,000 |
| Securities available for sale | 12,158,000 | 11,045,000 | 0 | 9,478,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,967,000 | 63,681,000 | 65,096,000 | 68,326,000 |
| Interest-bearing deposits | 47,615,000 | 49,663,000 | 51,267,000 | 53,807,000 |
| Noninterest-bearing deposits | 12,352,000 | 14,017,000 | 13,829,000 | 14,518,000 |
| Equity capital | 5,389,000 | 5,437,000 | 5,488,000 | 5,767,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,450,000 | 2,862,000 | 4,235,000 | 5,436,000 |
| Interest expense | 629,000 | 1,261,000 | 1,877,000 | 2,438,000 |
| Net interest income | 821,000 | 1,601,000 | 2,358,000 | 2,998,000 |
| Noninterest income | 723,000 | 1,645,000 | 2,500,000 | 3,377,000 |
| Noninterest expense | 1,313,000 | 2,617,000 | 4,051,000 | 5,302,000 |
| Provision for loan losses | 10,000 | 50,000 | 110,000 | 185,000 |
| Pretax income | 340,000 | 698,000 | 788,000 | 975,000 |
| Income tax | 139,000 | 286,000 | 315,000 | 312,000 |
| Net income | 201,000 | 412,000 | 473,000 | 663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,396,000 | 5,531,000 | 5,468,000 | 5,759,000 |
| Total capital | 5,868,000 | 6,043,000 | 6,000,000 | 6,325,000 |
| Risk-weighted assets | 51,272,000 | 54,731,000 | 58,081,000 | 61,788,000 |
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