Call reports 2024
MONTEREY COUNTY BANK — 2024
What MONTEREY COUNTY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 197,241,000 | 194,893,000 | 231,486,000 | 226,657,000 |
| Total loans | 67,232,000 | 68,436,000 | 71,561,000 | 85,650,000 |
| Allowance for loan losses | 1,585,000 | 1,586,000 | 1,588,000 | 5,033,000 |
| Securities available for sale | 82,614,000 | 82,628,000 | 85,267,000 | 76,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,507,000 | 164,679,000 | 172,028,000 | 172,374,000 |
| Interest-bearing deposits | 131,187,000 | 129,242,000 | 133,163,000 | 134,997,000 |
| Noninterest-bearing deposits | 35,320,000 | 35,437,000 | 38,865,000 | 37,377,000 |
| Equity capital | 5,787,000 | 5,184,000 | 34,572,000 | 29,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,886,000 | 3,822,000 | 1,129,000 | 3,930,000 |
| Interest expense | 879,000 | 1,829,000 | 465,000 | 1,479,000 |
| Net interest income | 1,007,000 | 1,993,000 | 664,000 | 2,451,000 |
| Noninterest income | 141,000 | 262,000 | 45,000 | 165,000 |
| Noninterest expense | 1,685,000 | 3,445,000 | 884,000 | 3,498,000 |
| Provision for loan losses | 0 | 0 | 0 | 945,000 |
| Pretax income | -537,000 | -1,181,000 | -175,000 | -1,836,000 |
| Income tax | 0 | 0 | 0 | -275,000 |
| Net income | -537,000 | -1,181,000 | -175,000 | -1,561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,855,000 | 19,220,000 | 28,535,000 | 23,059,000 |
| Total capital | 21,452,000 | 20,810,000 | — | — |
| Risk-weighted assets | 128,064,000 | 126,717,000 | — | — |
Machine access — free, no API key
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