Call reports 2005
MONTEREY COUNTY BANK — 2005
What MONTEREY COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 139,376,000 | 147,000,000 | 149,065,000 | 161,060,000 |
| Total loans | 101,781,000 | 108,579,000 | 100,775,000 | 108,394,000 |
| Allowance for loan losses | 965,000 | 1,089,000 | 1,082,000 | 1,101,000 |
| Securities available for sale | 8,552,000 | 8,421,000 | 11,242,000 | 11,066,000 |
| Securities held to maturity | 6,427,000 | 6,425,000 | 7,029,000 | 7,025,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,572,000 | 106,869,000 | 109,178,000 | 118,676,000 |
| Interest-bearing deposits | 81,782,000 | 83,802,000 | 85,313,000 | 87,305,000 |
| Noninterest-bearing deposits | 22,790,000 | 23,067,000 | 23,865,000 | 31,371,000 |
| Equity capital | 12,979,000 | 13,650,000 | 14,206,000 | 15,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,322,000 | 5,116,000 | 7,688,000 | 10,644,000 |
| Interest expense | 697,000 | 1,460,000 | 2,284,000 | 3,145,000 |
| Net interest income | 1,625,000 | 3,656,000 | 5,404,000 | 7,499,000 |
| Noninterest income | 1,014,000 | 2,075,000 | 3,226,000 | 4,726,000 |
| Noninterest expense | 1,914,000 | 3,770,000 | 5,618,000 | 7,672,000 |
| Provision for loan losses | 2,000 | 125,000 | 125,000 | 150,000 |
| Pretax income | 723,000 | 1,743,000 | 2,785,000 | 4,284,000 |
| Income tax | 291,000 | 718,000 | 1,155,000 | 1,695,000 |
| Net income | 432,000 | 1,025,000 | 1,630,000 | 2,589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,718,000 | 13,311,000 | 13,916,000 | 14,739,000 |
| Total capital | 13,683,000 | 14,440,000 | 15,038,000 | 15,892,000 |
| Risk-weighted assets | 116,319,000 | 119,753,000 | 114,473,000 | 130,988,000 |
Machine access — free, no API key
Every figure shown here about MONTEREY COUNTY BANK — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.