Call reports 2010
MONTECITO BANK & TRUST — 2010
What MONTECITO BANK & TRUST reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 958,512,000 | 960,838,000 | 963,752,000 | 940,534,000 |
| Total loans | 555,781,000 | 554,084,000 | 538,313,000 | 523,318,000 |
| Allowance for loan losses | 10,748,000 | 10,417,000 | 13,065,000 | 11,059,000 |
| Securities available for sale | 333,940,000 | 358,096,000 | 367,785,000 | 357,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 800,061,000 | 825,735,000 | 824,515,000 | 812,909,000 |
| Interest-bearing deposits | 780,042,000 | 802,652,000 | 803,154,000 | 787,994,000 |
| Noninterest-bearing deposits | 20,019,000 | 23,083,000 | 21,361,000 | 24,915,000 |
| Equity capital | 94,383,000 | 100,612,000 | 103,769,000 | 92,729,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 10,636,000 | 21,633,000 | 32,753,000 | 43,286,000 |
| Interest expense | 1,602,000 | 2,957,000 | 4,105,000 | 5,185,000 |
| Net interest income | 9,034,000 | 18,676,000 | 28,648,000 | 38,101,000 |
| Noninterest income | 1,620,000 | 3,038,000 | 4,667,000 | 6,441,000 |
| Noninterest expense | 7,418,000 | 14,851,000 | 22,590,000 | 29,090,000 |
| Provision for loan losses | 2,308,000 | 3,361,000 | 7,829,000 | 16,928,000 |
| Pretax income | 1,941,000 | 4,505,000 | 3,856,000 | 3,227,000 |
| Income tax | 64,000 | 154,000 | 127,000 | 95,000 |
| Net income | 1,877,000 | 4,351,000 | 3,729,000 | 3,132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,666,000 | 89,177,000 | 87,729,000 | 85,738,000 |
| Total capital | 97,145,000 | 98,814,000 | 97,279,000 | 95,229,000 |
| Risk-weighted assets | 756,670,000 | 769,863,000 | 759,945,000 | 757,181,000 |