Call reports 2015
MONTECITO BANK & TRUST — 2015
What MONTECITO BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,198,953,000 | 1,205,310,000 | 1,217,684,000 | 1,243,310,000 |
| Total loans | 642,404,000 | 661,842,000 | 683,600,000 | 711,010,000 |
| Allowance for loan losses | 11,100,000 | 10,993,000 | 10,699,000 | 10,528,000 |
| Securities available for sale | 498,479,000 | 489,383,000 | 473,563,000 | 472,298,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,058,232,000 | 1,062,234,000 | 1,069,331,000 | 1,101,154,000 |
| Interest-bearing deposits | 1,023,820,000 | 1,024,516,000 | 1,032,878,000 | 1,059,572,000 |
| Noninterest-bearing deposits | 34,412,000 | 37,718,000 | 36,453,000 | 41,582,000 |
| Equity capital | 126,869,000 | 121,537,000 | 128,865,000 | 125,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 10,848,000 | 22,171,000 | 33,799,000 | 45,752,000 |
| Interest expense | 370,000 | 743,000 | 1,127,000 | 1,504,000 |
| Net interest income | 10,478,000 | 21,428,000 | 32,672,000 | 44,248,000 |
| Noninterest income | 1,819,000 | 3,724,000 | 5,758,000 | 7,402,000 |
| Noninterest expense | 9,623,000 | 19,029,000 | 28,348,000 | 38,002,000 |
| Provision for loan losses | -250,000 | -1,220,000 | -1,470,000 | -1,720,000 |
| Pretax income | 3,938,000 | 8,363,000 | 12,632,000 | 16,451,000 |
| Income tax | 130,000 | 278,000 | 406,000 | 543,000 |
| Net income | 3,808,000 | 8,085,000 | 12,226,000 | 15,908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,537,000 | 117,917,000 | 120,468,000 | 122,271,000 |
| Total capital | 127,224,000 | 129,497,000 | 131,754,000 | 133,386,000 |
| Risk-weighted assets | 956,240,000 | 972,008,000 | 990,433,000 | 1,024,908,000 |