Call reports 2013
MONTEREY COUNTY BANK — 2013
What MONTEREY COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 216,486,000 | 210,520,000 | 209,874,000 | 202,070,000 |
| Total loans | 134,860,000 | 135,892,000 | 130,696,000 | 121,839,000 |
| Allowance for loan losses | 5,930,000 | 5,876,000 | 4,297,000 | 2,938,000 |
| Securities available for sale | 426,000 | 5,426,000 | 25,953,000 | 20,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 180,141,000 | 170,283,000 | 174,515,000 | 167,447,000 |
| Interest-bearing deposits | 148,100,000 | 139,171,000 | 137,377,000 | 132,384,000 |
| Noninterest-bearing deposits | 32,041,000 | 31,111,000 | 37,139,000 | 35,063,000 |
| Equity capital | 12,574,000 | 11,714,000 | 12,045,000 | 11,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,945,000 | 3,797,000 | 5,818,000 | 7,869,000 |
| Interest expense | 474,000 | 934,000 | 1,363,000 | 1,757,000 |
| Net interest income | 1,471,000 | 2,863,000 | 4,455,000 | 6,112,000 |
| Noninterest income | 1,789,000 | 1,730,000 | 2,212,000 | 1,997,000 |
| Noninterest expense | 2,098,000 | 4,292,000 | 6,000,000 | 7,902,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,162,000 | 301,000 | 667,000 | 207,000 |
| Income tax | 0 | 0 | 12,000 | 14,000 |
| Net income | 1,162,000 | 301,000 | 655,000 | 193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,535,000 | 11,674,000 | 12,028,000 | 11,553,000 |
| Total capital | 14,560,000 | 13,688,000 | 14,054,000 | 13,456,000 |
| Risk-weighted assets | 158,060,000 | 157,268,000 | 159,779,000 | 151,171,000 |
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