Call reports 2013
MONTECITO BANK & TRUST — 2013
What MONTECITO BANK & TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,062,902,000 | 1,073,139,000 | 1,084,353,000 | 1,074,582,000 |
| Total loans | 523,344,000 | 538,204,000 | 562,224,000 | 534,155,000 |
| Allowance for loan losses | 12,164,000 | 12,845,000 | 13,765,000 | 13,565,000 |
| Securities available for sale | 470,167,000 | 466,170,000 | 461,478,000 | 459,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 927,588,000 | 950,741,000 | 959,652,000 | 951,820,000 |
| Interest-bearing deposits | 900,294,000 | 924,081,000 | 931,604,000 | 920,990,000 |
| Noninterest-bearing deposits | 27,294,000 | 26,660,000 | 28,048,000 | 30,830,000 |
| Equity capital | 116,896,000 | 106,394,000 | 108,092,000 | 105,714,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,754,000 | 19,507,000 | 31,369,000 | 41,654,000 |
| Interest expense | 543,000 | 1,048,000 | 1,526,000 | 1,970,000 |
| Net interest income | 9,211,000 | 18,459,000 | 29,843,000 | 39,684,000 |
| Noninterest income | 2,020,000 | 3,501,000 | 5,262,000 | 6,892,000 |
| Noninterest expense | 8,548,000 | 17,008,000 | 25,562,000 | 34,247,000 |
| Provision for loan losses | 0 | 0 | 0 | -1,000,000 |
| Pretax income | 2,945,000 | 5,739,000 | 10,730,000 | 13,654,000 |
| Income tax | 101,000 | 198,000 | 371,000 | 466,000 |
| Net income | 2,844,000 | 5,541,000 | 10,359,000 | 13,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,480,000 | 101,092,000 | 104,327,000 | 104,838,000 |
| Total capital | 109,159,000 | 111,065,000 | 114,613,000 | 115,065,000 |
| Risk-weighted assets | 771,237,000 | 794,352,000 | 818,850,000 | 814,265,000 |