Call reports 2007
MONTECITO BANK & TRUST — 2007
What MONTECITO BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 721,033,000 | 725,985,000 | 759,911,000 | 772,225,000 |
| Total loans | 421,629,000 | 440,822,000 | 453,015,000 | 458,159,000 |
| Allowance for loan losses | 4,962,000 | 5,030,000 | 5,051,000 | 5,045,000 |
| Securities available for sale | 256,110,000 | 250,513,000 | 267,549,000 | 277,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 571,060,000 | 577,007,000 | 609,759,000 | 620,442,000 |
| Interest-bearing deposits | 549,570,000 | 555,048,000 | 586,931,000 | 591,118,000 |
| Noninterest-bearing deposits | 21,490,000 | 21,959,000 | 22,828,000 | 29,324,000 |
| Equity capital | 70,829,000 | 69,306,000 | 73,440,000 | 74,904,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 11,108,000 | 22,502,000 | 34,386,000 | 46,414,000 |
| Interest expense | 4,568,000 | 9,302,000 | 14,443,000 | 19,669,000 |
| Net interest income | 6,540,000 | 13,200,000 | 19,943,000 | 26,745,000 |
| Noninterest income | 1,692,000 | 3,492,000 | 5,292,000 | 7,000,000 |
| Noninterest expense | 5,820,000 | 12,026,000 | 18,346,000 | 24,164,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 2,337,000 | 4,513,000 | 6,644,000 | 9,262,000 |
| Income tax | 82,000 | 159,000 | 233,000 | 328,000 |
| Net income | 2,255,000 | 4,354,000 | 6,411,000 | 8,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,892,000 | 68,229,000 | 69,067,000 | 70,593,000 |
| Total capital | 72,101,000 | 73,506,000 | 74,365,000 | 75,885,000 |
| Risk-weighted assets | 609,998,000 | 634,493,000 | 667,618,000 | 681,641,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2007 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.