Call reports 2018
MONTEREY COUNTY BANK — 2018
What MONTEREY COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 169,843,000 | 170,425,000 | 165,505,000 | 163,144,000 |
| Total loans | 87,538,000 | 90,220,000 | 84,424,000 | 83,612,000 |
| Allowance for loan losses | 1,210,000 | 1,029,000 | 1,037,000 | 896,000 |
| Securities available for sale | 38,867,000 | 35,928,000 | 36,738,000 | 42,329,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,347,000 | 144,179,000 | 144,209,000 | 142,046,000 |
| Interest-bearing deposits | 111,795,000 | 107,676,000 | 103,412,000 | 99,776,000 |
| Noninterest-bearing deposits | 34,552,000 | 36,503,000 | 40,797,000 | 42,270,000 |
| Equity capital | 15,434,000 | 15,167,000 | 15,192,000 | 14,949,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,727,000 | 3,413,000 | 5,127,000 | 6,793,000 |
| Interest expense | 196,000 | 395,000 | 586,000 | 763,000 |
| Net interest income | 1,531,000 | 3,018,000 | 4,541,000 | 6,030,000 |
| Noninterest income | 139,000 | 461,000 | 988,000 | 816,000 |
| Noninterest expense | 1,585,000 | 3,291,000 | 4,907,000 | 6,882,000 |
| Provision for loan losses | 0 | 115,000 | 115,000 | 115,000 |
| Pretax income | 85,000 | 129,000 | 563,000 | -95,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 85,000 | 128,000 | 562,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,754,000 | 16,699,000 | 17,028,000 | 16,457,000 |
| Total capital | 17,982,000 | 17,746,000 | 18,083,000 | 17,371,000 |
| Risk-weighted assets | 132,618,000 | 136,181,000 | 127,713,000 | 122,416,000 |