Call reports 2004
MONTECITO BANK & TRUST — 2004
What MONTECITO BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 600,263,000 | 611,008,000 | 609,624,000 | 614,299,000 |
| Total loans | 360,665,000 | 367,820,000 | 374,145,000 | 391,918,000 |
| Allowance for loan losses | 5,625,000 | 5,732,000 | 5,837,000 | 5,906,000 |
| Securities available for sale | 169,222,000 | 178,612,000 | 176,938,000 | 186,148,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 516,846,000 | 529,768,000 | 513,520,000 | 520,902,000 |
| Interest-bearing deposits | 494,550,000 | 499,170,000 | 484,441,000 | 494,305,000 |
| Noninterest-bearing deposits | 22,296,000 | 30,598,000 | 29,079,000 | 26,597,000 |
| Equity capital | 58,725,000 | 56,343,000 | 61,977,000 | 59,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 7,389,000 | 14,925,000 | 22,966,000 | 31,227,000 |
| Interest expense | 914,000 | 1,792,000 | 2,768,000 | 3,850,000 |
| Net interest income | 6,475,000 | 13,133,000 | 20,198,000 | 27,377,000 |
| Noninterest income | 2,033,000 | 4,358,000 | 6,371,000 | 8,437,000 |
| Noninterest expense | 5,793,000 | 11,830,000 | 17,754,000 | 24,623,000 |
| Provision for loan losses | 152,000 | 275,000 | 398,000 | 521,000 |
| Pretax income | 3,833,000 | 6,652,000 | 9,652,000 | 11,901,000 |
| Income tax | 495,000 | 594,000 | 705,000 | 784,000 |
| Net income | 3,338,000 | 6,058,000 | 8,947,000 | 11,117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,537,000 | 51,289,000 | 53,713,000 | 52,070,000 |
| Total capital | 54,167,000 | 57,021,000 | 59,550,000 | 57,976,000 |
| Risk-weighted assets | 467,991,000 | 485,003,000 | 491,614,000 | 506,182,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2004 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.