Call reports 2004
MONTEREY COUNTY BANK — 2004
What MONTEREY COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 115,895,000 | 119,262,000 | 122,240,000 | 132,622,000 |
| Total loans | 85,330,000 | 87,669,000 | 90,014,000 | 96,000,000 |
| Allowance for loan losses | 845,000 | 881,000 | 911,000 | 963,000 |
| Securities available for sale | 6,758,000 | 12,713,000 | 7,004,000 | 6,835,000 |
| Securities held to maturity | 0 | 0 | 4,440,000 | 6,219,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,546,000 | 90,126,000 | 93,975,000 | 98,923,000 |
| Interest-bearing deposits | 62,747,000 | 65,379,000 | 70,497,000 | 74,424,000 |
| Noninterest-bearing deposits | 21,800,000 | 24,747,000 | 23,478,000 | 24,500,000 |
| Equity capital | 11,566,000 | 11,824,000 | 12,337,000 | 12,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,591,000 | 3,333,000 | 5,283,000 | 7,341,000 |
| Interest expense | 430,000 | 943,000 | 1,492,000 | 2,063,000 |
| Net interest income | 1,161,000 | 2,390,000 | 3,791,000 | 5,278,000 |
| Noninterest income | 964,000 | 2,135,000 | 3,277,000 | 4,144,000 |
| Noninterest expense | 1,679,000 | 3,466,000 | 5,285,000 | 7,105,000 |
| Provision for loan losses | 70,000 | 105,000 | 135,000 | 185,000 |
| Pretax income | 412,000 | 990,000 | 1,693,000 | 2,183,000 |
| Income tax | 173,000 | 407,000 | 691,000 | 893,000 |
| Net income | 239,000 | 583,000 | 1,002,000 | 1,290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,292,000 | 11,635,000 | 12,223,000 | 12,287,000 |
| Total capital | 12,137,000 | 12,516,000 | 13,134,000 | 13,250,000 |
| Risk-weighted assets | 93,352,000 | 95,324,000 | 105,365,000 | 106,148,000 |
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