Call reports 2025
MONTEREY COUNTY BANK — 2025
What MONTEREY COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 243,748,000 | 245,562,000 | 257,397,000 | 282,995,000 |
| Total loans | 101,027,000 | 111,381,000 | 121,907,000 | 151,265,000 |
| Allowance for loan losses | 1,145,000 | 1,332,000 | 1,442,000 | 1,801,000 |
| Securities available for sale | 76,934,000 | 74,986,000 | 77,872,000 | 78,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,999,000 | 193,253,000 | 200,887,000 | 208,494,000 |
| Interest-bearing deposits | 150,679,000 | 155,513,000 | 161,931,000 | 171,878,000 |
| Noninterest-bearing deposits | 38,320,000 | 37,740,000 | 38,956,000 | 36,616,000 |
| Equity capital | 29,491,000 | 27,290,000 | 31,212,000 | 32,100,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,641,000 | 5,739,000 | 9,183,000 | 12,681,000 |
| Interest expense | 1,035,000 | 2,219,000 | 3,461,000 | 4,796,000 |
| Net interest income | 1,606,000 | 3,520,000 | 5,722,000 | 7,885,000 |
| Noninterest income | 218,000 | 404,000 | 541,000 | 1,148,000 |
| Noninterest expense | 2,792,000 | 5,843,000 | 8,780,000 | 11,718,000 |
| Provision for loan losses | 185,000 | 371,000 | 480,000 | 837,000 |
| Pretax income | -1,160,000 | -2,280,000 | -3,024,000 | -3,551,000 |
| Income tax | 0 | 1,000 | 1,000 | 3,000 |
| Net income | -1,160,000 | -2,281,000 | -3,025,000 | -3,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,491,000 | 22,964,000 | 25,227,000 | 23,446,000 |
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