Call reports 2010
MONTEREY COUNTY BANK — 2010
What MONTEREY COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 284,702,000 | 292,946,000 | 286,546,000 | 263,115,000 |
| Total loans | 155,391,000 | 158,370,000 | 158,762,000 | 154,707,000 |
| Allowance for loan losses | 3,418,000 | 3,251,000 | 3,253,000 | 3,159,000 |
| Securities available for sale | 61,820,000 | 57,165,000 | 43,360,000 | 44,652,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,009,000 | 227,663,000 | 218,977,000 | 208,348,000 |
| Interest-bearing deposits | 184,939,000 | 192,183,000 | 185,453,000 | 172,637,000 |
| Noninterest-bearing deposits | 36,071,000 | 35,481,000 | 33,524,000 | 35,711,000 |
| Equity capital | 26,650,000 | 26,316,000 | 25,154,000 | 24,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,349,000 | 6,631,000 | 9,627,000 | 12,412,000 |
| Interest expense | 1,379,000 | 2,750,000 | 4,114,000 | 5,261,000 |
| Net interest income | 1,970,000 | 3,881,000 | 5,513,000 | 7,151,000 |
| Noninterest income | 775,000 | 1,945,000 | 2,831,000 | 5,099,000 |
| Noninterest expense | 2,893,000 | 6,715,000 | 11,681,000 | 14,723,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -12,000 | -471,000 | -2,401,000 | -1,509,000 |
| Income tax | -101,000 | -418,000 | -1,062,000 | -1,170,000 |
| Net income | 89,000 | -53,000 | -1,339,000 | -339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,066,000 | 25,924,000 | 24,636,000 | 24,858,000 |
| Total capital | 28,450,000 | 28,535,000 | 27,291,000 | 27,308,000 |
| Risk-weighted assets | 189,691,000 | 192,678,000 | 196,259,000 | 195,257,000 |
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