Call reports 2012
MONTECITO BANK & TRUST — 2012
What MONTECITO BANK & TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,035,228,000 | 1,027,259,000 | 1,047,091,000 | 1,062,124,000 |
| Total loans | 518,475,000 | 505,519,000 | 493,844,000 | 524,053,000 |
| Allowance for loan losses | 11,285,000 | 9,617,000 | 9,515,000 | 9,619,000 |
| Securities available for sale | 355,492,000 | 437,126,000 | 454,354,000 | 372,327,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 873,604,000 | 891,215,000 | 905,534,000 | 921,626,000 |
| Interest-bearing deposits | 869,169,000 | 887,394,000 | 903,169,000 | 891,997,000 |
| Noninterest-bearing deposits | 4,435,000 | 3,821,000 | 2,365,000 | 29,629,000 |
| Equity capital | 111,240,000 | 115,217,000 | 119,481,000 | 117,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,609,000 | 21,012,000 | 31,182,000 | 41,373,000 |
| Interest expense | 674,000 | 1,265,000 | 1,876,000 | 2,475,000 |
| Net interest income | 9,935,000 | 19,747,000 | 29,306,000 | 38,898,000 |
| Noninterest income | 1,784,000 | 3,504,000 | 5,182,000 | 7,233,000 |
| Noninterest expense | 8,367,000 | 17,087,000 | 25,797,000 | 34,648,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,349,000 | 6,161,000 | 9,077,000 | 13,610,000 |
| Income tax | 115,000 | 211,000 | 311,000 | 465,000 |
| Net income | 3,234,000 | 5,950,000 | 8,766,000 | 13,145,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,049,000 | 95,276,000 | 96,313,000 | 98,216,000 |
| Total capital | 103,638,000 | 104,960,000 | 105,964,000 | 107,771,000 |
| Risk-weighted assets | 764,801,000 | 774,180,000 | 771,592,000 | 763,780,000 |