Call reports 2006
MONTEREY COUNTY BANK — 2006
What MONTEREY COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 161,111,000 | 169,779,000 | 184,698,000 | 188,702,000 |
| Total loans | 111,218,000 | 119,727,000 | 122,848,000 | 131,459,000 |
| Allowance for loan losses | 1,102,000 | 1,197,000 | 1,247,000 | 1,409,000 |
| Securities available for sale | 10,963,000 | 13,918,000 | 14,084,000 | 15,286,000 |
| Securities held to maturity | 7,022,000 | 7,019,000 | 7,016,000 | 7,012,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 114,014,000 | 123,038,000 | 130,599,000 | 132,106,000 |
| Interest-bearing deposits | 89,888,000 | 87,940,000 | 92,814,000 | 101,549,000 |
| Noninterest-bearing deposits | 24,126,000 | 35,098,000 | 37,785,000 | 30,557,000 |
| Equity capital | 16,448,000 | 17,239,000 | 18,257,000 | 18,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,925,000 | 6,212,000 | 9,838,000 | 13,735,000 |
| Interest expense | 976,000 | 2,008,000 | 3,199,000 | 4,514,000 |
| Net interest income | 1,949,000 | 4,204,000 | 6,639,000 | 9,221,000 |
| Noninterest income | 1,213,000 | 2,656,000 | 4,079,000 | 5,563,000 |
| Noninterest expense | 2,081,000 | 4,208,000 | 6,365,000 | 8,692,000 |
| Provision for loan losses | 0 | 95,000 | 145,000 | 410,000 |
| Pretax income | 2,396,000 | 3,910,000 | 5,633,000 | 7,100,000 |
| Income tax | 1,051,000 | 1,700,000 | 2,449,000 | 3,041,000 |
| Net income | 1,345,000 | 2,210,000 | 3,184,000 | 4,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,092,000 | 16,957,000 | 17,906,000 | 18,117,000 |
| Total capital | 17,246,000 | 18,175,000 | 19,186,000 | 19,559,000 |
| Risk-weighted assets | 132,122,000 | 135,867,000 | 141,074,000 | 145,650,000 |
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