Call reports 2005
MONTECITO BANK & TRUST — 2005
What MONTECITO BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 639,284,000 | 672,974,000 | 685,926,000 | 687,977,000 |
| Total loans | 393,467,000 | 397,549,000 | 389,493,000 | 402,917,000 |
| Allowance for loan losses | 5,837,000 | 5,851,000 | 5,985,000 | 5,391,000 |
| Securities available for sale | 179,431,000 | 214,137,000 | 233,320,000 | 246,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 537,937,000 | 578,057,000 | 590,274,000 | 581,812,000 |
| Interest-bearing deposits | 500,068,000 | 543,481,000 | 557,151,000 | 549,703,000 |
| Noninterest-bearing deposits | 37,869,000 | 34,577,000 | 33,123,000 | 32,109,000 |
| Equity capital | 57,880,000 | 61,051,000 | 61,247,000 | 59,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 8,351,000 | 17,384,000 | 26,781,000 | 36,952,000 |
| Interest expense | 1,397,000 | 3,478,000 | 5,636,000 | 8,051,000 |
| Net interest income | 6,954,000 | 13,906,000 | 21,145,000 | 28,901,000 |
| Noninterest income | 2,224,000 | 4,250,000 | 6,432,000 | 8,429,000 |
| Noninterest expense | 6,290,000 | 12,507,000 | 18,716,000 | 24,628,000 |
| Provision for loan losses | 0 | 0 | 0 | -600,000 |
| Pretax income | 2,888,000 | 5,790,000 | 8,999,000 | 13,423,000 |
| Income tax | 101,000 | 224,000 | 337,000 | 492,000 |
| Net income | 2,787,000 | 5,566,000 | 8,662,000 | 12,931,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,147,000 | 54,217,000 | 56,606,000 | 56,978,000 |
| Total capital | 59,107,000 | 60,314,000 | 62,919,000 | 62,697,000 |
| Risk-weighted assets | 517,226,000 | 534,067,000 | 541,047,000 | 568,406,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2005 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 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.