Call reports 2011
MONTECITO BANK & TRUST — 2011
What MONTECITO BANK & TRUST reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 933,533,000 | 983,992,000 | 1,023,715,000 | 1,018,427,000 |
| Total loans | 520,410,000 | 524,661,000 | 508,123,000 | 520,476,000 |
| Allowance for loan losses | 12,306,000 | 13,404,000 | 11,439,000 | 11,890,000 |
| Securities available for sale | 360,542,000 | 390,353,000 | 430,180,000 | 439,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 804,565,000 | 851,733,000 | 883,872,000 | 875,736,000 |
| Interest-bearing deposits | 779,161,000 | 824,136,000 | 860,031,000 | 846,157,000 |
| Noninterest-bearing deposits | 25,404,000 | 27,597,000 | 23,841,000 | 29,579,000 |
| Equity capital | 94,183,000 | 99,836,000 | 106,726,000 | 108,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 10,123,000 | 20,070,000 | 31,220,000 | 41,502,000 |
| Interest expense | 1,018,000 | 1,978,000 | 2,843,000 | 3,608,000 |
| Net interest income | 9,105,000 | 18,092,000 | 28,377,000 | 37,894,000 |
| Noninterest income | 1,700,000 | 3,481,000 | 5,112,000 | 6,964,000 |
| Noninterest expense | 7,416,000 | 14,926,000 | 22,980,000 | 31,796,000 |
| Provision for loan losses | 1,500,000 | 3,000,000 | 3,000,000 | 2,250,000 |
| Pretax income | 1,861,000 | 4,555,000 | 9,574,000 | 12,802,000 |
| Income tax | 61,000 | 153,000 | 326,000 | 439,000 |
| Net income | 1,800,000 | 4,402,000 | 9,248,000 | 12,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 87,538,000 | 89,231,000 | 92,340,000 | 91,972,000 |
| Total capital | 97,244,000 | 99,208,000 | 102,705,000 | 102,510,000 |
| Risk-weighted assets | 773,336,000 | 794,183,000 | 827,525,000 | 841,130,000 |