Call reports 2019
MONTEREY COUNTY BANK — 2019
What MONTEREY COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 165,132,000 | 168,046,000 | 171,551,000 | 167,177,000 |
| Total loans | 91,414,000 | 94,191,000 | 90,516,000 | 91,167,000 |
| Allowance for loan losses | 929,000 | 967,000 | 888,000 | 935,000 |
| Securities available for sale | 38,677,000 | 34,951,000 | 36,109,000 | 38,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,985,000 | 139,651,000 | 142,538,000 | 132,693,000 |
| Interest-bearing deposits | 97,287,000 | 96,933,000 | 96,977,000 | 91,039,000 |
| Noninterest-bearing deposits | 40,698,000 | 42,718,000 | 45,561,000 | 41,654,000 |
| Equity capital | 16,005,000 | 17,351,000 | 17,969,000 | 18,443,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,701,000 | 3,498,000 | 5,251,000 | 6,933,000 |
| Interest expense | 189,000 | 389,000 | 591,000 | 796,000 |
| Net interest income | 1,512,000 | 3,109,000 | 4,660,000 | 6,137,000 |
| Noninterest income | 178,000 | 721,000 | 1,120,000 | 1,293,000 |
| Noninterest expense | 1,649,000 | 3,344,000 | 4,950,000 | 6,613,000 |
| Provision for loan losses | 0 | 0 | 0 | 175,000 |
| Pretax income | 144,000 | 565,000 | 1,162,000 | 974,000 |
| Income tax | 0 | 1,000 | 1,000 | -745,000 |
| Net income | 144,000 | 564,000 | 1,161,000 | 1,719,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,884,000 | 17,286,000 | 17,876,000 | 17,826,000 |
| Total capital | 17,831,000 | 18,271,000 | 18,785,000 | 18,783,000 |
| Risk-weighted assets | 125,423,000 | 129,579,000 | 133,992,000 | 134,343,000 |