Call reports 2020
MONTEREY COUNTY BANK — 2020
What MONTEREY COUNTY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 177,937,000 | 199,086,000 | 210,911,000 | 205,790,000 |
| Total loans | 93,835,000 | 104,197,000 | 108,602,000 | 99,224,000 |
| Allowance for loan losses | 1,219,000 | 1,103,000 | 1,095,000 | 1,167,000 |
| Securities available for sale | 40,713,000 | 12,531,000 | 38,334,000 | 42,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,754,000 | 155,713,000 | 165,770,000 | 162,040,000 |
| Interest-bearing deposits | 91,880,000 | 97,811,000 | 102,205,000 | 104,205,000 |
| Noninterest-bearing deposits | 40,874,000 | 57,902,000 | 63,565,000 | 57,835,000 |
| Equity capital | 18,738,000 | 19,687,000 | 19,627,000 | 20,406,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,653,000 | 3,171,000 | 4,812,000 | 6,741,000 |
| Interest expense | 221,000 | 428,000 | 620,000 | 807,000 |
| Net interest income | 1,432,000 | 2,743,000 | 4,192,000 | 5,934,000 |
| Noninterest income | 222,000 | 343,000 | 528,000 | 590,000 |
| Noninterest expense | 1,669,000 | 3,427,000 | 5,030,000 | 6,751,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -15,000 | 1,115,000 | 1,296,000 | 1,676,000 |
| Income tax | 0 | 0 | 1,000 | 29,000 |
| Net income | -15,000 | 1,115,000 | 1,295,000 | 1,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,815,000 | 18,823,000 | 19,144,000 | 20,122,000 |
| Total capital | 19,056,000 | 19,948,000 | 20,261,000 | 21,311,000 |
| Risk-weighted assets | 139,601,000 | 129,458,000 | 133,469,000 | 131,331,000 |