Call reports 2009
MONTECITO BANK & TRUST — 2009
What MONTECITO BANK & TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 882,339,000 | 896,516,000 | 930,114,000 | 954,988,000 |
| Total loans | 529,127,000 | 552,342,000 | 551,928,000 | 561,544,000 |
| Allowance for loan losses | 6,904,000 | 7,672,000 | 9,163,000 | 10,131,000 |
| Securities available for sale | 273,873,000 | 288,195,000 | 269,260,000 | 314,184,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 744,285,000 | 750,075,000 | 773,480,000 | 798,770,000 |
| Interest-bearing deposits | 715,499,000 | 733,175,000 | 757,720,000 | 780,479,000 |
| Noninterest-bearing deposits | 28,786,000 | 16,900,000 | 15,760,000 | 18,291,000 |
| Equity capital | 68,704,000 | 82,073,000 | 92,298,000 | 91,452,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,089,000 | 22,394,000 | 33,923,000 | 44,947,000 |
| Interest expense | 3,844,000 | 6,832,000 | 9,029,000 | 10,983,000 |
| Net interest income | 7,245,000 | 15,562,000 | 24,894,000 | 33,964,000 |
| Noninterest income | 1,516,000 | 3,008,000 | 4,623,000 | 6,283,000 |
| Noninterest expense | 6,628,000 | 12,956,000 | 20,016,000 | 27,556,000 |
| Provision for loan losses | 950,000 | 1,743,000 | 3,884,000 | 5,637,000 |
| Pretax income | 1,329,000 | 4,039,000 | 7,982,000 | 9,173,000 |
| Income tax | 47,000 | 141,000 | 275,000 | 313,000 |
| Net income | 1,282,000 | 3,898,000 | 7,707,000 | 8,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,641,000 | 83,901,000 | 86,715,000 | 86,480,000 |
| Total capital | 85,792,000 | 91,820,000 | 96,125,000 | 96,266,000 |
| Risk-weighted assets | 800,829,000 | 844,981,000 | 818,837,000 | 782,258,000 |
Machine access — free, no API key
Every figure shown here about MONTECITO BANK & TRUST — 2009 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.