Call reports 2019
MONTECITO BANK & TRUST — 2019
What MONTECITO BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,510,835,000 | 1,542,828,000 | 1,537,912,000 | 1,608,513,000 |
| Total loans | 957,038,000 | 980,570,000 | 1,017,314,000 | 1,040,350,000 |
| Allowance for loan losses | 13,043,000 | 13,084,000 | 13,067,000 | 13,059,000 |
| Securities available for sale | 452,525,000 | 447,634,000 | 449,974,000 | 439,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,329,429,000 | 1,353,888,000 | 1,343,070,000 | 1,412,215,000 |
| Interest-bearing deposits | 1,287,096,000 | 1,307,018,000 | 1,292,185,000 | 1,355,920,000 |
| Noninterest-bearing deposits | 42,333,000 | 46,870,000 | 50,885,000 | 56,295,000 |
| Equity capital | 163,407,000 | 170,699,000 | 174,929,000 | 174,097,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,467,000 | 31,386,000 | 47,858,000 | 63,474,000 |
| Interest expense | 1,393,000 | 3,024,000 | 4,815,000 | 6,406,000 |
| Net interest income | 14,074,000 | 28,362,000 | 43,043,000 | 57,068,000 |
| Noninterest income | 2,385,000 | 4,957,000 | 7,689,000 | 10,376,000 |
| Noninterest expense | 12,102,000 | 24,826,000 | 38,181,000 | 52,760,000 |
| Provision for loan losses | 240,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | 4,191,000 | 8,383,000 | 12,221,000 | 14,645,000 |
| Income tax | 1,324,000 | 2,580,000 | 3,740,000 | 4,481,000 |
| Net income | 2,867,000 | 5,803,000 | 8,481,000 | 10,164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,418,000 | 162,354,000 | 165,032,000 | 166,074,000 |
| Total capital | 172,798,000 | 175,775,000 | 178,436,000 | 179,470,000 |
| Risk-weighted assets | 1,145,668,000 | 1,167,675,000 | 1,192,194,000 | 1,202,920,000 |