Call reports 2025
MONTECITO BANK & TRUST — 2025
What MONTECITO BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,143,357,000 | 2,132,842,000 | 2,089,575,000 | 2,058,386,000 |
| Total loans | 1,313,417,000 | 1,338,925,000 | 1,344,652,000 | 1,343,963,000 |
| Allowance for loan losses | 14,209,000 | 14,131,000 | 13,613,000 | 13,575,000 |
| Securities available for sale | 631,360,000 | 618,995,000 | 594,313,000 | 572,135,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,841,726,000 | 1,875,092,000 | 1,871,895,000 | 1,816,276,000 |
| Interest-bearing deposits | 1,175,880,000 | 1,196,900,000 | 1,184,759,000 | 1,140,918,000 |
| Noninterest-bearing deposits | 665,846,000 | 678,192,000 | 687,136,000 | 675,358,000 |
| Equity capital | 165,142,000 | 169,412,000 | 178,404,000 | 182,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 21,358,000 | 42,998,000 | 65,207,000 | 86,773,000 |
| Interest expense | 5,720,000 | 10,773,000 | 15,263,000 | 18,838,000 |
| Net interest income | 15,638,000 | 32,225,000 | 49,944,000 | 67,935,000 |
| Noninterest income | 3,295,000 | 6,742,000 | 10,360,000 | 14,011,000 |
| Noninterest expense | 17,398,000 | 34,633,000 | 51,548,000 | 69,429,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,617,000 | 4,432,000 | 9,141,000 | 12,903,000 |
| Income tax | 394,000 | 1,146,000 | 2,450,000 | 3,478,000 |
| Net income | 1,223,000 | 3,286,000 | 6,691,000 | 9,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 225,034,000 | 226,848,000 | 229,903,000 | 231,783,000 |