Call reports 2002
MONTEREY COUNTY BANK — 2002
What MONTEREY COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 77,937,000 | 81,654,000 | 80,234,000 | 85,861,000 |
| Total loans | 55,570,000 | 56,387,000 | 57,014,000 | 60,894,000 |
| Allowance for loan losses | 600,000 | 616,000 | 596,000 | 637,000 |
| Securities available for sale | 5,653,000 | 3,523,000 | 7,154,000 | 6,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,239,000 | 70,694,000 | 66,461,000 | 67,637,000 |
| Interest-bearing deposits | 53,043,000 | 55,183,000 | 52,332,000 | 52,593,000 |
| Noninterest-bearing deposits | 14,195,000 | 15,512,000 | 14,129,000 | 15,044,000 |
| Equity capital | 5,845,000 | 6,044,000 | 6,117,000 | 6,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,195,000 | 2,389,000 | 3,612,000 | 4,870,000 |
| Interest expense | 511,000 | 986,000 | 1,434,000 | 1,879,000 |
| Net interest income | 684,000 | 1,403,000 | 2,178,000 | 2,991,000 |
| Noninterest income | 860,000 | 1,763,000 | 2,663,000 | 3,664,000 |
| Noninterest expense | 1,327,000 | 2,680,000 | 4,147,000 | 5,614,000 |
| Provision for loan losses | 37,000 | 52,000 | 77,000 | 117,000 |
| Pretax income | 187,000 | 446,000 | 666,000 | 1,087,000 |
| Income tax | 73,000 | 178,000 | 265,000 | 458,000 |
| Net income | 114,000 | 268,000 | 401,000 | 629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,664,000 | 5,833,000 | 5,966,000 | 6,212,000 |
| Total capital | 6,264,000 | 6,449,000 | 6,562,000 | 6,849,000 |
| Risk-weighted assets | 60,907,000 | 62,743,000 | 63,279,000 | 66,450,000 |
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