Call reports 2016
MONTEREY COUNTY BANK — 2016
What MONTEREY COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 186,616,000 | 194,084,000 | 189,287,000 | 182,226,000 |
| Total loans | 101,993,000 | 97,660,000 | 96,894,000 | 96,255,000 |
| Allowance for loan losses | 1,937,000 | 1,887,000 | 1,662,000 | 1,511,000 |
| Securities available for sale | 22,578,000 | 42,258,000 | 31,279,000 | 39,945,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,014,000 | 148,699,000 | 154,587,000 | 148,982,000 |
| Interest-bearing deposits | 114,041,000 | 112,771,000 | 119,581,000 | 114,601,000 |
| Noninterest-bearing deposits | 32,973,000 | 35,928,000 | 35,006,000 | 34,381,000 |
| Equity capital | 16,565,000 | 16,339,000 | 16,623,000 | 14,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,657,000 | 3,312,000 | 5,048,000 | 6,768,000 |
| Interest expense | 251,000 | 491,000 | 726,000 | 989,000 |
| Net interest income | 1,406,000 | 2,821,000 | 4,322,000 | 5,779,000 |
| Noninterest income | 335,000 | 565,000 | 894,000 | 1,205,000 |
| Noninterest expense | 1,640,000 | 3,490,000 | 5,107,000 | 6,874,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 206,000 | 1,000 | 214,000 | 215,000 |
| Income tax | 0 | 1,000 | 1,000 | 176,000 |
| Net income | 206,000 | 0 | 213,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,452,000 | 16,247,000 | 16,462,000 | 15,333,000 |
| Total capital | 18,126,000 | 17,931,000 | 18,119,000 | 16,859,000 |
| Risk-weighted assets | 133,672,000 | 134,528,000 | 132,540,000 | 134,842,000 |
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