Call reports 2015
MONTEREY COUNTY BANK — 2015
What MONTEREY COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 183,703,000 | 181,308,000 | 183,807,000 | 191,419,000 |
| Total loans | 113,996,000 | 107,626,000 | 106,171,000 | 103,747,000 |
| Allowance for loan losses | 2,817,000 | 2,173,000 | 2,010,000 | 1,982,000 |
| Securities available for sale | 426,000 | 17,521,000 | 17,117,000 | 25,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,929,000 | 144,245,000 | 146,506,000 | 152,023,000 |
| Interest-bearing deposits | 115,464,000 | 110,323,000 | 111,024,000 | 112,684,000 |
| Noninterest-bearing deposits | 31,465,000 | 33,922,000 | 35,482,000 | 39,339,000 |
| Equity capital | 13,723,000 | 14,027,000 | 14,254,000 | 16,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,758,000 | 3,506,000 | 5,189,000 | 7,097,000 |
| Interest expense | 288,000 | 558,000 | 826,000 | 1,085,000 |
| Net interest income | 1,470,000 | 2,948,000 | 4,363,000 | 6,012,000 |
| Noninterest income | 450,000 | 1,296,000 | 1,683,000 | 2,330,000 |
| Noninterest expense | 1,787,000 | 3,637,000 | 5,346,000 | 7,126,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 363,000 | 837,000 | 924,000 | 1,484,000 |
| Income tax | 0 | 0 | 0 | -1,489,000 |
| Net income | 363,000 | 837,000 | 924,000 | 2,973,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,674,000 | 14,148,000 | 14,234,000 | 16,274,000 |
| Total capital | 15,485,000 | 15,921,000 | 15,933,000 | 17,953,000 |
| Risk-weighted assets | 143,902,000 | 141,454,000 | 135,666,000 | 134,077,000 |