Call reports 2003
MONTECITO BANK & TRUST — 2003
What MONTECITO BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 526,270,000 | 545,695,000 | 542,032,000 | 559,153,000 |
| Total loans | 331,255,000 | 323,170,000 | 328,501,000 | 345,591,000 |
| Allowance for loan losses | 5,493,000 | 5,592,000 | 5,650,000 | 5,518,000 |
| Securities available for sale | 113,412,000 | 152,717,000 | 167,762,000 | 171,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 457,184,000 | 472,216,000 | 466,106,000 | 479,302,000 |
| Interest-bearing deposits | 427,792,000 | 444,955,000 | 436,955,000 | 446,858,000 |
| Noninterest-bearing deposits | 29,392,000 | 27,261,000 | 29,151,000 | 32,445,000 |
| Equity capital | 47,527,000 | 51,806,000 | 53,789,000 | 54,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 7,236,000 | 14,657,000 | 21,946,000 | 29,496,000 |
| Interest expense | 961,000 | 1,947,000 | 2,849,000 | 3,761,000 |
| Net interest income | 6,275,000 | 12,710,000 | 19,097,000 | 25,735,000 |
| Noninterest income | 2,514,000 | 5,360,000 | 8,293,000 | 10,637,000 |
| Noninterest expense | 5,901,000 | 12,108,000 | 18,245,000 | 25,177,000 |
| Provision for loan losses | 123,000 | 246,000 | 369,000 | 885,000 |
| Pretax income | 3,907,000 | 6,851,000 | 9,894,000 | 11,820,000 |
| Income tax | 3,779,000 | 3,882,000 | 3,989,000 | 4,057,000 |
| Net income | 128,000 | 2,969,000 | 5,905,000 | 7,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,727,000 | 40,618,000 | 43,252,000 | 45,160,000 |
| Total capital | 42,910,000 | 45,777,000 | 48,578,000 | 50,678,000 |
| Risk-weighted assets | 414,329,000 | 412,270,000 | 425,753,000 | 452,339,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.