Call reports 2008
BANK OF SANTA BARBARA, THE — 2008
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 63,077,000 | 69,193,000 | 66,258,000 | 72,077,000 |
| Total loans | 54,851,000 | 59,106,000 | 59,812,000 | 60,535,000 |
| Allowance for loan losses | 939,000 | 1,006,000 | 1,042,000 | 1,138,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,427,000 | 62,466,000 | 54,290,000 | 60,303,000 |
| Interest-bearing deposits | 47,774,000 | 52,361,000 | 45,005,000 | 47,060,000 |
| Noninterest-bearing deposits | 8,653,000 | 10,105,000 | 9,285,000 | 13,243,000 |
| Equity capital | 6,552,000 | 6,595,000 | 6,866,000 | 6,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,022,000 | 3,011,000 | 3,965,000 |
| Interest expense | 437,000 | 848,000 | 1,214,000 | 1,589,000 |
| Net interest income | 570,000 | 1,174,000 | 1,797,000 | 2,376,000 |
| Noninterest income | 19,000 | 58,000 | 73,000 | 92,000 |
| Noninterest expense | 579,000 | 1,210,000 | 1,815,000 | 2,461,000 |
| Provision for loan losses | 198,000 | 301,000 | 379,000 | 701,000 |
| Pretax income | -188,000 | -279,000 | -324,000 | -694,000 |
| Income tax | -75,000 | -109,000 | -125,000 | -274,000 |
| Net income | -113,000 | -170,000 | -199,000 | -420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,590,000 | 5,599,000 | 5,854,000 | 5,483,000 |
| Total capital | 6,333,000 | 6,391,000 | 6,629,000 | 6,269,000 |
| Risk-weighted assets | 59,237,000 | 63,140,000 | 61,728,000 | 62,512,000 |
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