bank holding company · RSSD 1138919 · CA
How big is MONTECITO BANCORP?
MONTECITO BANCORP (CA, RSSD 1138919) reported consolidated total assets of $1.4B, deposits of $1.2B and a Tier 1 risk-based capital ratio of 13.19% in its FR Y-9C for 2018Q2. That ranks 479 of 650 bank holding companies by assets, 352 of 492 among bank holding companies with $1b-$10b in assets, 29 of 40 bank holding companies in california.
What stands out
MONTECITO BANCORP (CA, RSSD 1138919) reported consolidated total assets of $1.4B, deposits of $1.2B and a Tier 1 risk-based capital ratio of 13.19% in its FR Y-9C for 2018Q2. That ranks 479 of 650 bank holding companies by assets, 352 of 492 among bank holding companies with $1b-$10b in assets, 29 of 40 bank holding companies in california. Against its size class: tier 1 risk-based capital ratio 13.19%, above the peer median of 12.60%; tier 1 leverage ratio 10.88%, above the peer median of 10.12%; return on assets 1.87%, above the peer median of 1.11%. At 13.19% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 10.88% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2018Q2; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2018Q2
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2018Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.4B | $1.9B | $2.7B | $2.3B | record → |
| Total deposits | $1.2B | $1.5B | $2.3B | $1.8B | record → |
| Loans and leases | $904.8M | $1.3B | $1.6B | $1.6B | record → |
| Net income (year to date) | $13.0M | $11.2M | $19.0M | $13.4M | record → |
| Total equity capital | $152.1M | $198.3M | $309.8M | $251.4M | record → |
| Equity to assets | 10.92% | 10.25% | 10.77% | 10.57% | computed |
| Tier 1 risk-based capital ratio | 13.19% | 12.60% | 13.07% | 12.70% | record → |
| Total risk-based capital ratio | 14.34% | 14.11% | 14.38% | 14.27% | record → |
| Tier 1 leverage ratio | 10.88% | 10.12% | 10.66% | 10.05% | record → |
| Return on assets | 1.87% | 1.11% | 1.30% | 1.12% | computed |
Quarter by quarter
119 reports on record, 1988Q4–2018Q2; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2018Q2 | $1.4B | $1.2B | $904.8M | $13.0M | $152.1M | 13.19% | 479 |
| 2018Q1 | $1.4B | $1.2B | $891.2M | $9.6M | $150.7M | 12.93% | 476 |
| 2017Q4 | $1.4B | $1.2B | $912.3M | $16.8M | $145.4M | 12.25% | 476 |
| 2017Q3 | $1.3B | $1.2B | $925.6M | $11.7M | $144.8M | 11.72% | 488 |
| 2017Q2 | $1.3B | $1.2B | $906.4M | $7.8M | $141.5M | 11.48% | 489 |
| 2017Q1 | $1.3B | $1.2B | $877.4M | $4.5M | $139.7M | 11.74% | 493 |
| 2016Q4 | $1.3B | $1.2B | $868.7M | $13.9M | $136.4M | 11.45% | 486 |
| 2016Q3 | $1.3B | $1.1B | $797.3M | $10.5M | $145.7M | 12.04% | 493 |
| 2016Q2 | $1.3B | $1.1B | $752.0M | $6.9M | $143.9M | 12.19% | 502 |
| 2016Q1 | $1.3B | $1.1B | $722.1M | $3.5M | $136.8M | 12.17% | 495 |
| 2015Q4 | $1.2B | $1.1B | $711.0M | $15.2M | $126.7M | 12.02% | 493 |
| 2015Q3 | $1.2B | $1.1B | $683.6M | $11.8M | $129.7M | 12.24% | 500 |
| 2015Q2 | $1.2B | $1.1B | $661.8M | $7.8M | $122.5M | 12.22% | 504 |
| 2015Q1 | $1.2B | $1.1B | $642.4M | $3.7M | $127.5M | 12.14% | 496 |
| 2014Q4 | $1.2B | $1.1B | $609.2M | $12.4M | $122.8M | 12.82% | 503 |
| 2014Q3 | $1.2B | $1.0B | $599.0M | $9.4M | $118.5M | 12.99% | 505 |
| 2014Q2 | $1.2B | $1.0B | $540.2M | $5.3M | $118.5M | 12.87% | 503 |
| 2014Q1 | $1.1B | $965.6M | $535.4M | $2.7M | $112.4M | 12.81% | 538 |
| 2013Q4 | $1.1B | $951.0M | $534.2M | $12.5M | $107.0M | 13.02% | 539 |
| 2013Q3 | $1.1B | $958.9M | $562.2M | $10.0M | $109.3M | 12.87% | 530 |
| 2013Q2 | $1.1B | $950.5M | $538.2M | $5.2M | $107.1M | 12.80% | 531 |
| 2013Q1 | $1.1B | $927.2M | $523.3M | $2.7M | $117.7M | 12.99% | 539 |
| 2012Q4 | $1.1B | $920.6M | $524.1M | $12.6M | $118.4M | 12.97% | 544 |
| 2012Q3 | $1.0B | $904.9M | $493.8M | $8.5M | $120.3M | 12.58% | 545 |
| 2012Q2 | $1.0B | $891.0M | $505.5M | $5.8M | $115.3M | 12.31% | 557 |
| 2012Q1 | $1.0B | $873.3M | $518.5M | $3.2M | $111.2M | 12.28% | 547 |
| 2011Q4 | $1.0B | $875.1M | $520.5M | $11.7M | $108.1M | 10.93% | 472 |
| 2011Q3 | $1.0B | $883.3M | $508.1M | $9.0M | $106.5M | 11.12% | 463 |
| 2011Q2 | $984.7M | $851.5M | $524.7M | $4.2M | $98.9M | 11.11% | 482 |
| 2011Q1 | $934.3M | $804.3M | $520.4M | $1.7M | $93.1M | 11.17% | 508 |
| 2010Q4 | $941.3M | $812.3M | $523.3M | $2.4M | $91.7M | 11.18% | 506 |
| 2010Q3 | $964.4M | $824.4M | $538.3M | $3.6M | $101.9M | 11.29% | 489 |
| 2010Q2 | $961.5M | $825.5M | $554.1M | $4.3M | $98.6M | 11.32% | 491 |
| 2010Q1 | $959.0M | $799.7M | $555.8M | $1.8M | $92.1M | 11.28% | 500 |
| 2009Q4 | $955.5M | $798.4M | $561.5M | $8.9M | $89.0M | 10.73% | 503 |
| 2009Q3 | $930.6M | $773.0M | $551.9M | $7.9M | $90.0M | 10.30% | 516 |
| 2009Q2 | $897.5M | $749.7M | $552.3M | $4.1M | $80.1M | 9.63% | 541 |
| 2009Q1 | $886.2M | $744.0M | $529.1M | $1.3M | $69.5M | 9.84% | 549 |
| 2008Q4 | $816.7M | $663.1M | $527.1M | $4.9M | $67.8M | 9.68% | 584 |
| 2008Q3 | $822.5M | $669.3M | $502.0M | $5.1M | $69.4M | 9.84% | 575 |
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