Call reports 2009
MONTEREY COUNTY BANK — 2009
What MONTEREY COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 309,649,000 | 292,248,000 | 279,684,000 | 272,156,000 |
| Total loans | 170,851,000 | 168,186,000 | 170,270,000 | 166,742,000 |
| Allowance for loan losses | 2,632,000 | 2,926,000 | 2,982,000 | 3,529,000 |
| Securities available for sale | 94,656,000 | 89,972,000 | 44,279,000 | 62,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,810,000 | 203,754,000 | 218,376,000 | 202,713,000 |
| Interest-bearing deposits | 178,371,000 | 172,912,000 | 175,352,000 | 176,641,000 |
| Noninterest-bearing deposits | 31,438,000 | 30,842,000 | 43,024,000 | 26,073,000 |
| Equity capital | 23,644,000 | 26,240,000 | 26,491,000 | 25,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,434,000 | 8,452,000 | 12,039,000 | 15,251,000 |
| Interest expense | 2,239,000 | 4,636,000 | 6,898,000 | 7,575,000 |
| Net interest income | 2,195,000 | 3,816,000 | 5,141,000 | 7,676,000 |
| Noninterest income | 1,216,000 | 2,786,000 | 4,620,000 | 5,971,000 |
| Noninterest expense | 2,560,000 | 5,501,000 | 8,275,000 | 11,825,000 |
| Provision for loan losses | 250,000 | 646,000 | 1,918,000 | 3,368,000 |
| Pretax income | 759,000 | 1,590,000 | 2,721,000 | 1,643,000 |
| Income tax | 74,000 | 293,000 | 613,000 | -382,000 |
| Net income | 685,000 | 1,297,000 | 2,108,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,584,000 | 25,248,000 | 26,059,000 | 25,977,000 |
| Total capital | 26,232,000 | 27,855,000 | 28,499,000 | 28,437,000 |
| Risk-weighted assets | 217,088,000 | 208,228,000 | 194,680,000 | 195,727,000 |
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