Call reports 2008
MONTEREY COUNTY BANK — 2008
What MONTEREY COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 267,977,000 | 265,351,000 | 272,888,000 | 301,798,000 |
| Total loans | 169,602,000 | 161,217,000 | 162,036,000 | 169,593,000 |
| Allowance for loan losses | 2,029,000 | 2,029,000 | 2,280,000 | 2,413,000 |
| Securities available for sale | 61,455,000 | 69,330,000 | 74,070,000 | 90,729,000 |
| Securities held to maturity | 7,866,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,114,000 | 176,992,000 | 182,448,000 | 190,025,000 |
| Interest-bearing deposits | 155,313,000 | 151,368,000 | 156,722,000 | 163,918,000 |
| Noninterest-bearing deposits | 28,801,000 | 25,624,000 | 25,726,000 | 26,108,000 |
| Equity capital | 21,456,000 | 20,412,000 | 21,690,000 | 24,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,616,000 | 8,589,000 | 12,527,000 | 16,485,000 |
| Interest expense | 2,340,000 | 4,631,000 | 6,884,000 | 9,153,000 |
| Net interest income | 2,276,000 | 3,958,000 | 5,643,000 | 7,332,000 |
| Noninterest income | 1,852,000 | 1,923,000 | 3,176,000 | 4,833,000 |
| Noninterest expense | 2,206,000 | 4,422,000 | 6,727,000 | 8,821,000 |
| Provision for loan losses | 0 | 0 | 250,000 | 1,132,000 |
| Pretax income | 2,151,000 | 2,602,000 | 2,985,000 | 3,354,000 |
| Income tax | 859,000 | 996,000 | 1,080,000 | 1,221,000 |
| Net income | 1,292,000 | 1,606,000 | 1,905,000 | 2,133,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,096,000 | 21,410,000 | 23,709,000 | 24,086,000 |
| Total capital | 23,146,000 | 23,528,000 | 26,010,000 | 26,515,000 |
| Risk-weighted assets | 191,675,000 | 189,486,000 | 194,738,000 | 201,323,000 |
Machine access — free, no API key
Every figure shown here about MONTEREY COUNTY BANK — 2008 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.