Call reports 2006
BANK OF SANTA BARBARA, THE — 2006
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 14,291,000 | 23,847,000 | 31,311,000 | 42,559,000 |
| Total loans | 10,677,000 | 20,668,000 | 26,227,000 | 40,198,000 |
| Allowance for loan losses | 144,000 | 278,000 | 367,000 | 533,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,025,000 | 16,733,000 | 24,372,000 | 35,631,000 |
| Interest-bearing deposits | 4,892,000 | 12,948,000 | 20,522,000 | 28,605,000 |
| Noninterest-bearing deposits | 2,133,000 | 3,785,000 | 3,850,000 | 7,026,000 |
| Equity capital | 7,263,000 | 7,072,000 | 6,870,000 | 6,855,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 217,000 | 627,000 | 1,180,000 | 1,948,000 |
| Interest expense | 29,000 | 98,000 | 294,000 | 560,000 |
| Net interest income | 188,000 | 529,000 | 886,000 | 1,388,000 |
| Noninterest income | 99,000 | 133,000 | 152,000 | 190,000 |
| Noninterest expense | 532,000 | 1,059,000 | 1,649,000 | 2,246,000 |
| Provision for loan losses | 90,000 | 224,000 | 313,000 | 479,000 |
| Pretax income | -335,000 | -621,000 | -924,000 | -1,147,000 |
| Income tax | -112,000 | -207,000 | -308,000 | -516,000 |
| Net income | -223,000 | -414,000 | -616,000 | -631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,890,000 | 6,604,000 | 6,301,000 | 6,079,000 |
| Total capital | 7,034,000 | 6,882,000 | 6,668,000 | 6,612,000 |
| Risk-weighted assets | 13,138,000 | 23,612,000 | 29,671,000 | 43,664,000 |
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