Call reports 2003
MONTEREY COUNTY BANK — 2003
What MONTEREY COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 91,853,000 | 95,104,000 | 97,394,000 | 107,052,000 |
| Total loans | 64,901,000 | 68,193,000 | 69,277,000 | 77,683,000 |
| Allowance for loan losses | 678,000 | 694,000 | 694,000 | 775,000 |
| Securities available for sale | 5,456,000 | 6,806,000 | 7,200,000 | 6,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,157,000 | 71,715,000 | 73,624,000 | 80,754,000 |
| Interest-bearing deposits | 55,451,000 | 55,146,000 | 56,671,000 | 60,273,000 |
| Noninterest-bearing deposits | 14,705,000 | 16,569,000 | 16,953,000 | 20,481,000 |
| Equity capital | 7,452,000 | 7,675,000 | 7,924,000 | 11,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,290,000 | 2,629,000 | 4,052,000 | 5,547,000 |
| Interest expense | 446,000 | 898,000 | 1,351,000 | 1,776,000 |
| Net interest income | 844,000 | 1,731,000 | 2,701,000 | 3,771,000 |
| Noninterest income | 959,000 | 1,945,000 | 2,987,000 | 4,293,000 |
| Noninterest expense | 1,509,000 | 3,032,000 | 4,701,000 | 6,365,000 |
| Provision for loan losses | 50,000 | 75,000 | 75,000 | 155,000 |
| Pretax income | 244,000 | 569,000 | 912,000 | 1,565,000 |
| Income tax | 98,000 | 230,000 | 378,000 | 647,000 |
| Net income | 146,000 | 339,000 | 534,000 | 918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,325,000 | 7,501,000 | 7,696,000 | 11,079,000 |
| Total capital | 8,003,000 | 8,195,000 | 8,390,000 | 11,854,000 |
| Risk-weighted assets | 72,973,000 | 76,645,000 | 78,900,000 | 85,798,000 |
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