Call reports 2022
MONTEREY COUNTY BANK — 2022
What MONTEREY COUNTY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 223,168,000 | 210,621,000 | 216,938,000 | 204,418,000 |
| Total loans | 76,389,000 | 71,688,000 | 73,085,000 | 73,144,000 |
| Allowance for loan losses | 1,726,000 | 1,608,000 | 1,609,000 | 1,611,000 |
| Securities available for sale | 92,337,000 | 83,174,000 | 80,556,000 | 85,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,536,000 | 198,210,000 | 209,685,000 | 196,681,000 |
| Interest-bearing deposits | 121,737,000 | 125,154,000 | 133,490,000 | 123,079,000 |
| Noninterest-bearing deposits | 73,799,000 | 73,056,000 | 76,195,000 | 73,602,000 |
| Equity capital | 13,684,000 | 8,786,000 | 3,684,000 | 4,149,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,571,000 | 3,183,000 | 4,920,000 | 6,890,000 |
| Interest expense | 131,000 | 253,000 | 333,000 | 444,000 |
| Net interest income | 1,440,000 | 2,930,000 | 4,587,000 | 6,446,000 |
| Noninterest income | 169,000 | 591,000 | 832,000 | 966,000 |
| Noninterest expense | 1,579,000 | 3,119,000 | 4,834,000 | 6,682,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 30,000 | 2,299,000 | 2,504,000 | 2,462,000 |
| Income tax | 0 | 1,000 | 1,000 | 473,000 |
| Net income | 30,000 | 2,298,000 | 2,503,000 | 1,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,595,000 | 20,784,000 | 18,819,000 | 19,246,000 |
| Total capital | 21,278,000 | 22,404,000 | 20,440,000 | 20,869,000 |
| Risk-weighted assets | 134,591,000 | 131,186,000 | 130,302,000 | 130,639,000 |