Call reports 2021
MONTEREY COUNTY BANK — 2021
What MONTEREY COUNTY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 247,729,000 | 239,938,000 | 245,423,000 | 234,080,000 |
| Total loans | 111,381,000 | 103,485,000 | 89,963,000 | 82,970,000 |
| Allowance for loan losses | 1,091,000 | 1,155,000 | 1,170,000 | 1,725,000 |
| Securities available for sale | 85,246,000 | 69,296,000 | 84,867,000 | 69,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,017,000 | 196,911,000 | 206,250,000 | 195,733,000 |
| Interest-bearing deposits | 109,508,000 | 112,230,000 | 120,461,000 | 119,953,000 |
| Noninterest-bearing deposits | 75,509,000 | 84,681,000 | 85,789,000 | 75,780,000 |
| Equity capital | 18,624,000 | 19,769,000 | 20,252,000 | 19,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,893,000 | 3,628,000 | 5,579,000 | 7,496,000 |
| Interest expense | 163,000 | 326,000 | 486,000 | 633,000 |
| Net interest income | 1,730,000 | 3,302,000 | 5,093,000 | 6,863,000 |
| Noninterest income | 181,000 | 180,000 | 523,000 | 465,000 |
| Noninterest expense | 1,949,000 | 3,550,000 | 5,204,000 | 7,263,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 250,000 | 322,000 | 659,000 | 232,000 |
| Income tax | 60,000 | 60,000 | 59,000 | 141,000 |
| Net income | 190,000 | 262,000 | 600,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,005,000 | 20,395,000 | 20,451,000 | 20,173,000 |
| Total capital | 21,118,000 | 21,572,000 | 21,633,000 | 21,826,000 |
| Risk-weighted assets | 155,111,000 | 142,195,000 | 139,248,000 | 132,231,000 |
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