Call reports 2014
MONTEREY COUNTY BANK — 2014
What MONTEREY COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 200,801,000 | 193,757,000 | 196,273,000 | 209,229,000 |
| Total loans | 124,271,000 | 120,048,000 | 114,944,000 | 115,403,000 |
| Allowance for loan losses | 2,857,000 | 2,749,000 | 2,920,000 | 3,348,000 |
| Securities available for sale | 22,146,000 | 22,363,000 | 5,159,000 | 14,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,856,000 | 158,389,000 | 160,832,000 | 172,778,000 |
| Interest-bearing deposits | 130,570,000 | 123,540,000 | 115,688,000 | 117,604,000 |
| Noninterest-bearing deposits | 35,286,000 | 34,849,000 | 45,144,000 | 55,174,000 |
| Equity capital | 11,868,000 | 12,299,000 | 12,393,000 | 13,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,960,000 | 3,899,000 | 5,830,000 | 7,618,000 |
| Interest expense | 370,000 | 714,000 | 1,014,000 | 1,308,000 |
| Net interest income | 1,590,000 | 3,185,000 | 4,816,000 | 6,310,000 |
| Noninterest income | 420,000 | 1,015,000 | 1,872,000 | 2,550,000 |
| Noninterest expense | 1,767,000 | 3,384,000 | 5,403,000 | 6,554,000 |
| Provision for loan losses | 0 | 355,000 | 518,000 | 645,000 |
| Pretax income | 243,000 | 461,000 | 947,000 | 1,841,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 48,000 |
| Net income | 242,000 | 460,000 | 946,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,795,000 | 12,026,000 | 12,506,000 | 13,359,000 |
| Total capital | 13,668,000 | 13,887,000 | 14,278,000 | 15,188,000 |
| Risk-weighted assets | 148,876,000 | 147,946,000 | 140,580,000 | 144,755,000 |
Machine access — free, no API key
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