Call reports 2023
MONTEREY COUNTY BANK — 2023
What MONTEREY COUNTY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 204,582,000 | 209,379,000 | 206,871,000 | 198,889,000 |
| Total loans | 68,266,000 | 66,286,000 | 65,440,000 | 67,609,000 |
| Allowance for loan losses | 1,611,000 | 1,612,000 | 1,613,000 | 1,598,000 |
| Securities available for sale | 86,447,000 | 84,124,000 | 78,480,000 | 84,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,555,000 | 179,582,000 | 179,597,000 | 167,208,000 |
| Interest-bearing deposits | 124,819,000 | 135,325,000 | 134,960,000 | 129,637,000 |
| Noninterest-bearing deposits | 54,736,000 | 44,257,000 | 44,637,000 | 37,571,000 |
| Equity capital | 6,299,000 | 5,750,000 | 2,510,000 | 6,826,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,993,000 | 4,126,000 | 6,365,000 | 8,438,000 |
| Interest expense | 224,000 | 833,000 | 1,596,000 | 2,419,000 |
| Net interest income | 1,769,000 | 3,293,000 | 4,769,000 | 6,019,000 |
| Noninterest income | 129,000 | 383,000 | 1,373,000 | 962,000 |
| Noninterest expense | 1,631,000 | 3,366,000 | 5,133,000 | 7,087,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 270,000 | 325,000 | 1,024,000 | -91,000 |
| Income tax | 0 | 0 | 0 | -13,000 |
| Net income | 270,000 | 325,000 | 1,024,000 | -78,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,376,000 | 20,173,000 | 19,379,000 | 20,266,000 |
| Total capital | 21,952,000 | 21,747,000 | 20,989,000 | 21,853,000 |
| Risk-weighted assets | 123,874,000 | 123,462,000 | 124,908,000 | 125,034,000 |
Machine access — free, no API key
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