Call reports 2016
MONTECITO BANK & TRUST — 2016
What MONTECITO BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,257,576,000 | 1,276,897,000 | 1,300,618,000 | 1,337,179,000 |
| Total loans | 722,121,000 | 751,975,000 | 797,255,000 | 868,680,000 |
| Allowance for loan losses | 10,532,000 | 10,528,000 | 10,556,000 | 11,149,000 |
| Securities available for sale | 483,758,000 | 463,994,000 | 444,062,000 | 412,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,106,096,000 | 1,097,804,000 | 1,139,006,000 | 1,175,647,000 |
| Interest-bearing deposits | 1,070,041,000 | 1,063,309,000 | 1,099,601,000 | 1,139,126,000 |
| Noninterest-bearing deposits | 36,055,000 | 34,495,000 | 39,405,000 | 36,521,000 |
| Equity capital | 135,810,000 | 143,180,000 | 144,639,000 | 135,533,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 11,810,000 | 23,905,000 | 36,582,000 | 49,735,000 |
| Interest expense | 371,000 | 763,000 | 1,153,000 | 1,558,000 |
| Net interest income | 11,439,000 | 23,142,000 | 35,429,000 | 48,177,000 |
| Noninterest income | 1,867,000 | 4,039,000 | 6,372,000 | 8,463,000 |
| Noninterest expense | 10,183,000 | 20,481,000 | 31,267,000 | 41,714,000 |
| Provision for loan losses | 0 | 0 | 0 | 700,000 |
| Pretax income | 3,705,000 | 7,453,000 | 11,335,000 | 15,046,000 |
| Income tax | 119,000 | 241,000 | 367,000 | 489,000 |
| Net income | 3,586,000 | 7,212,000 | 10,968,000 | 14,557,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 124,343,000 | 126,684,000 | 128,632,000 | 130,862,000 |
| Total capital | 135,462,000 | 137,799,000 | 139,775,000 | 142,598,000 |
| Risk-weighted assets | 1,028,967,000 | 1,044,909,000 | 1,077,321,000 | 1,149,410,000 |