Call reports 2017
MONTEREY COUNTY BANK — 2017
What MONTEREY COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 180,833,000 | 183,140,000 | 185,214,000 | 175,656,000 |
| Total loans | 93,652,000 | 96,350,000 | 86,162,000 | 92,623,000 |
| Allowance for loan losses | 1,202,000 | 1,180,000 | 1,178,000 | 1,195,000 |
| Securities available for sale | 39,770,000 | 40,820,000 | 35,176,000 | 35,059,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 147,788,000 | 149,525,000 | 150,581,000 | 146,443,000 |
| Interest-bearing deposits | 115,508,000 | 111,896,000 | 111,493,000 | 112,028,000 |
| Noninterest-bearing deposits | 32,280,000 | 37,629,000 | 39,088,000 | 34,415,000 |
| Equity capital | 14,827,000 | 15,486,000 | 16,433,000 | 16,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,697,000 | 3,485,000 | 5,235,000 | 6,928,000 |
| Interest expense | 214,000 | 438,000 | 669,000 | 880,000 |
| Net interest income | 1,483,000 | 3,047,000 | 4,566,000 | 6,048,000 |
| Noninterest income | 1,081,000 | 1,360,000 | 2,522,000 | 2,916,000 |
| Noninterest expense | 1,893,000 | 3,655,000 | 5,274,000 | 7,088,000 |
| Provision for loan losses | 185,000 | 185,000 | 185,000 | 185,000 |
| Pretax income | 486,000 | 567,000 | 1,595,000 | 1,657,000 |
| Income tax | 0 | 1,000 | 1,000 | 106,000 |
| Net income | 486,000 | 566,000 | 1,594,000 | 1,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,307,000 | 15,785,000 | 16,823,000 | 16,859,000 |
| Total capital | 16,524,000 | 16,980,000 | 18,016,000 | 18,072,000 |
| Risk-weighted assets | 132,441,000 | 135,188,000 | 126,728,000 | 136,157,000 |