Call reports 2018
MONTECITO BANK & TRUST — 2018
What MONTECITO BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,400,490,000 | 1,392,891,000 | 1,396,215,000 | 1,491,726,000 |
| Total loans | 891,208,000 | 904,774,000 | 916,860,000 | 953,681,000 |
| Allowance for loan losses | 12,709,000 | 12,795,000 | 12,818,000 | 12,796,000 |
| Securities available for sale | 425,687,000 | 415,334,000 | 413,686,000 | 429,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,233,038,000 | 1,225,676,000 | 1,225,355,000 | 1,316,076,000 |
| Interest-bearing deposits | 1,190,545,000 | 1,182,047,000 | 1,185,634,000 | 1,272,010,000 |
| Noninterest-bearing deposits | 42,493,000 | 43,629,000 | 39,721,000 | 44,066,000 |
| Equity capital | 149,477,000 | 151,029,000 | 153,869,000 | 157,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 13,881,000 | 28,505,000 | 43,236,000 | 58,292,000 |
| Interest expense | 446,000 | 990,000 | 1,683,000 | 2,664,000 |
| Net interest income | 13,435,000 | 27,515,000 | 41,553,000 | 55,628,000 |
| Noninterest income | 2,242,000 | 4,585,000 | 6,958,000 | 9,304,000 |
| Noninterest expense | 11,307,000 | 22,810,000 | 34,307,000 | 46,166,000 |
| Provision for loan losses | 344,000 | 375,000 | 375,000 | 475,000 |
| Pretax income | 4,063,000 | 9,029,000 | 13,737,000 | 18,199,000 |
| Income tax | -5,456,000 | -4,007,000 | -3,782,000 | -1,974,000 |
| Net income | 9,519,000 | 13,036,000 | 17,519,000 | 20,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,509,000 | 151,026,000 | 155,509,000 | 156,600,000 |
| Total capital | 160,755,000 | 164,308,000 | 168,764,000 | 169,783,000 |
| Risk-weighted assets | 1,149,738,000 | 1,152,815,000 | 1,136,658,000 | 1,131,028,000 |