Call reports 2011
MONTEREY COUNTY BANK — 2011
What MONTEREY COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 263,257,000 | 281,843,000 | 269,524,000 | 245,254,000 |
| Total loans | 158,889,000 | 156,366,000 | 151,231,000 | 153,818,000 |
| Allowance for loan losses | 3,220,000 | 3,388,000 | 3,406,000 | 4,320,000 |
| Securities available for sale | 49,935,000 | 48,406,000 | 47,134,000 | 42,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,190,000 | 224,850,000 | 220,989,000 | 203,691,000 |
| Interest-bearing deposits | 167,152,000 | 194,117,000 | 189,165,000 | 172,281,000 |
| Noninterest-bearing deposits | 36,038,000 | 30,733,000 | 31,825,000 | 31,411,000 |
| Equity capital | 23,752,000 | 21,590,000 | 22,052,000 | 14,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,801,000 | 5,584,000 | 8,421,000 | 11,282,000 |
| Interest expense | 967,000 | 1,934,000 | 2,851,000 | 3,668,000 |
| Net interest income | 1,834,000 | 3,650,000 | 5,570,000 | 7,614,000 |
| Noninterest income | 951,000 | 2,071,000 | 3,067,000 | 3,283,000 |
| Noninterest expense | 2,970,000 | 8,000,000 | 10,376,000 | 13,121,000 |
| Provision for loan losses | 1,100,000 | 1,450,000 | 2,500,000 | 7,860,000 |
| Pretax income | -1,277,000 | -3,628,000 | -3,983,000 | -9,693,000 |
| Income tax | 59,000 | 788,000 | 1,027,000 | 3,287,000 |
| Net income | -1,336,000 | -4,416,000 | -5,010,000 | -12,980,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,617,000 | 20,349,000 | 19,746,000 | 13,057,000 |
| Total capital | 26,030,000 | 22,715,000 | 22,224,000 | 15,361,000 |
| Risk-weighted assets | 192,188,000 | 188,259,000 | 181,753,000 | 182,259,000 |
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