Call reports 2022
MONTECITO BANK & TRUST — 2022
What MONTECITO BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 2,398,757,000 | 2,462,012,000 | 2,385,228,000 | 2,285,315,000 |
| Total loans | 1,186,528,000 | 1,191,695,000 | 1,206,861,000 | 1,195,112,000 |
| Allowance for loan losses | 14,738,000 | 14,764,000 | 14,767,000 | 14,739,000 |
| Securities available for sale | 742,225,000 | 792,355,000 | 763,126,000 | 805,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,186,911,000 | 2,276,022,000 | 2,222,874,000 | 2,112,120,000 |
| Interest-bearing deposits | 1,435,094,000 | 1,501,000,000 | 1,469,546,000 | 1,397,406,000 |
| Noninterest-bearing deposits | 751,817,000 | 775,022,000 | 753,328,000 | 714,714,000 |
| Equity capital | 164,776,000 | 143,160,000 | 120,106,000 | 124,838,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 16,744,000 | 35,225,000 | 55,205,000 | 76,370,000 |
| Interest expense | 377,000 | 808,000 | 1,211,000 | 1,901,000 |
| Net interest income | 16,367,000 | 34,417,000 | 53,994,000 | 74,469,000 |
| Noninterest income | 3,241,000 | 6,428,000 | 9,498,000 | 12,536,000 |
| Noninterest expense | 12,788,000 | 27,315,000 | 44,064,000 | 61,478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 6,820,000 | 13,533,000 | 19,431,000 | 25,530,000 |
| Income tax | 2,007,000 | 3,878,000 | 5,536,000 | 7,264,000 |
| Net income | 4,813,000 | 9,655,000 | 13,895,000 | 18,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 196,444,000 | 200,786,000 | 204,811,000 | 208,412,000 |
| Total capital | 211,587,000 | 215,955,000 | 219,983,000 | 223,556,000 |
| Risk-weighted assets | 1,540,835,000 | 1,588,786,000 | 1,578,565,000 | 1,563,661,000 |