Call reports 2006
MONTECITO BANK & TRUST — 2006
What MONTECITO BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 679,958,000 | 728,759,000 | 737,467,000 | 752,213,000 |
| Total loans | 402,065,000 | 421,896,000 | 425,473,000 | 421,024,000 |
| Allowance for loan losses | 5,395,000 | 5,511,000 | 4,886,000 | 4,888,000 |
| Securities available for sale | 244,332,000 | 241,025,000 | 252,504,000 | 251,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 554,294,000 | 568,789,000 | 597,150,000 | 610,544,000 |
| Interest-bearing deposits | 525,460,000 | 541,252,000 | 571,530,000 | 574,022,000 |
| Noninterest-bearing deposits | 28,834,000 | 27,537,000 | 25,620,000 | 36,522,000 |
| Equity capital | 60,511,000 | 60,315,000 | 66,695,000 | 69,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 10,282,000 | 20,886,000 | 32,255,000 | 43,751,000 |
| Interest expense | 2,864,000 | 6,460,000 | 10,902,000 | 15,507,000 |
| Net interest income | 7,418,000 | 14,426,000 | 21,353,000 | 28,244,000 |
| Noninterest income | 1,865,000 | 3,835,000 | 5,574,000 | 7,611,000 |
| Noninterest expense | 5,955,000 | 12,168,000 | 18,289,000 | 23,864,000 |
| Provision for loan losses | 75,000 | 150,000 | -492,000 | -492,000 |
| Pretax income | 3,250,000 | 5,937,000 | 9,124,000 | 12,479,000 |
| Income tax | 114,000 | 209,000 | 320,000 | 419,000 |
| Net income | 3,136,000 | 5,728,000 | 8,804,000 | 12,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,186,000 | 61,844,000 | 63,987,000 | 66,312,000 |
| Total capital | 65,909,000 | 67,683,000 | 69,120,000 | 71,447,000 |
| Risk-weighted assets | 572,493,000 | 599,903,000 | 612,394,000 | 612,628,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2006 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.