Call reports 2007
MONTEREY COUNTY BANK — 2007
What MONTEREY COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 191,418,000 | 214,570,000 | 228,263,000 | 246,988,000 |
| Total loans | 134,152,000 | 143,223,000 | 159,247,000 | 170,775,000 |
| Allowance for loan losses | 1,409,000 | 1,438,000 | 1,575,000 | 2,028,000 |
| Securities available for sale | 21,257,000 | 27,434,000 | 35,782,000 | 31,575,000 |
| Securities held to maturity | 7,009,000 | 7,006,000 | 7,873,000 | 7,870,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,728,000 | 150,073,000 | 152,734,000 | 167,825,000 |
| Interest-bearing deposits | 107,096,000 | 122,937,000 | 124,540,000 | 142,519,000 |
| Noninterest-bearing deposits | 26,633,000 | 27,136,000 | 28,195,000 | 25,306,000 |
| Equity capital | 19,193,000 | 19,670,000 | 20,741,000 | 20,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,798,000 | 7,777,000 | 12,156,000 | 16,918,000 |
| Interest expense | 1,464,000 | 3,104,000 | 5,096,000 | 7,291,000 |
| Net interest income | 2,334,000 | 4,673,000 | 7,060,000 | 9,627,000 |
| Noninterest income | 1,170,000 | 2,412,000 | 3,738,000 | 4,765,000 |
| Noninterest expense | 2,192,000 | 4,408,000 | 6,597,000 | 8,932,000 |
| Provision for loan losses | 0 | 275,000 | 415,000 | 865,000 |
| Pretax income | 1,312,000 | 2,402,000 | 3,786,000 | 4,811,000 |
| Income tax | 563,000 | 1,028,000 | 1,566,000 | 1,874,000 |
| Net income | 749,000 | 1,374,000 | 2,220,000 | 2,937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,769,000 | 19,394,000 | 20,241,000 | 20,169,000 |
| Total capital | 20,211,000 | 20,865,000 | 21,844,000 | 22,218,000 |
| Risk-weighted assets | 148,377,000 | 163,876,000 | 176,120,000 | 188,577,000 |
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