Call reports 2017
MONTECITO BANK & TRUST — 2017
What MONTECITO BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,325,731,000 | 1,346,964,000 | 1,347,935,000 | 1,393,670,000 |
| Total loans | 877,365,000 | 906,405,000 | 925,592,000 | 912,311,000 |
| Allowance for loan losses | 11,611,000 | 12,068,000 | 11,988,000 | 11,990,000 |
| Securities available for sale | 397,763,000 | 388,954,000 | 376,681,000 | 367,095,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,163,417,000 | 1,177,696,000 | 1,174,587,000 | 1,230,546,000 |
| Interest-bearing deposits | 1,120,034,000 | 1,133,479,000 | 1,135,827,000 | 1,190,971,000 |
| Noninterest-bearing deposits | 43,383,000 | 44,217,000 | 38,760,000 | 39,575,000 |
| Equity capital | 138,456,000 | 140,442,000 | 143,642,000 | 144,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 13,843,000 | 27,187,000 | 40,919,000 | 55,418,000 |
| Interest expense | 409,000 | 845,000 | 1,314,000 | 1,750,000 |
| Net interest income | 13,434,000 | 26,342,000 | 39,605,000 | 53,668,000 |
| Noninterest income | 2,076,000 | 4,206,000 | 6,392,000 | 8,631,000 |
| Noninterest expense | 10,858,000 | 21,936,000 | 32,961,000 | 43,858,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,250,000 | 1,250,000 |
| Pretax income | 4,750,000 | 8,372,000 | 12,648,000 | 18,114,000 |
| Income tax | 155,000 | 275,000 | 417,000 | 601,000 |
| Net income | 4,595,000 | 8,097,000 | 12,231,000 | 17,513,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 133,629,000 | 134,159,000 | 136,669,000 | 139,408,000 |
| Total capital | 145,827,000 | 146,814,000 | 149,244,000 | 151,985,000 |
| Risk-weighted assets | 1,148,411,000 | 1,177,640,000 | 1,174,903,000 | 1,143,976,000 |