Call reports 2007
BANK OF SANTA BARBARA, THE — 2007
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 47,817,000 | 50,654,000 | 66,832,000 | 58,738,000 |
| Total loans | 42,877,000 | 46,441,000 | 52,280,000 | 52,340,000 |
| Allowance for loan losses | 600,000 | 640,000 | 732,000 | 741,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,950,000 | 43,796,000 | 60,026,000 | 51,941,000 |
| Interest-bearing deposits | 32,090,000 | 36,900,000 | 50,130,000 | 43,698,000 |
| Noninterest-bearing deposits | 8,860,000 | 6,896,000 | 9,896,000 | 8,243,000 |
| Equity capital | 6,775,000 | 6,710,000 | 6,651,000 | 6,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 939,000 | 1,921,000 | 3,001,000 | 4,166,000 |
| Interest expense | 374,000 | 785,000 | 1,244,000 | 1,743,000 |
| Net interest income | 565,000 | 1,136,000 | 1,757,000 | 2,423,000 |
| Noninterest income | 36,000 | 66,000 | 89,000 | 116,000 |
| Noninterest expense | 667,000 | 1,332,000 | 1,980,000 | 2,632,000 |
| Provision for loan losses | 67,000 | 107,000 | 199,000 | 208,000 |
| Pretax income | -133,000 | -237,000 | -333,000 | -301,000 |
| Income tax | -53,000 | -92,000 | -129,000 | -111,000 |
| Net income | -80,000 | -145,000 | -204,000 | -190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,946,000 | 5,841,000 | 5,746,000 | 5,777,000 |
| Total capital | 6,543,000 | 6,468,000 | 6,478,000 | 6,469,000 |
| Risk-weighted assets | 47,762,000 | 50,126,000 | 59,824,000 | 55,320,000 |
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