Call reports 2010
BANK OF SANTA BARBARA, THE — 2010
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 85,006,000 | 90,925,000 | 106,059,000 | 115,912,000 |
| Total loans | 49,971,000 | 56,824,000 | 59,105,000 | 65,126,000 |
| Allowance for loan losses | 1,309,000 | 1,266,000 | 1,047,000 | 1,457,000 |
| Securities available for sale | 0 | 7,036,000 | 7,323,000 | 8,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,343,000 | 79,718,000 | 94,902,000 | 105,557,000 |
| Interest-bearing deposits | 58,333,000 | 65,548,000 | 78,262,000 | 82,514,000 |
| Noninterest-bearing deposits | 15,010,000 | 14,170,000 | 16,640,000 | 23,043,000 |
| Equity capital | 7,574,000 | 9,080,000 | 9,059,000 | 8,150,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 771,000 | 1,753,000 | 2,753,000 | 3,771,000 |
| Interest expense | 238,000 | 542,000 | 864,000 | 1,200,000 |
| Net interest income | 533,000 | 1,211,000 | 1,889,000 | 2,571,000 |
| Noninterest income | -20,000 | 95,000 | 153,000 | 216,000 |
| Noninterest expense | 800,000 | 1,646,000 | 2,494,000 | 3,652,000 |
| Provision for loan losses | 16,000 | 27,000 | 27,000 | 427,000 |
| Pretax income | -303,000 | -367,000 | -443,000 | -1,256,000 |
| Income tax | 0 | 0 | 1,000 | 2,000 |
| Net income | -303,000 | -367,000 | -444,000 | -1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,574,000 | 9,044,000 | 9,064,000 | 8,352,000 |
| Total capital | 8,182,000 | 9,787,000 | 9,852,000 | 9,232,000 |
| Risk-weighted assets | 47,874,000 | 58,890,000 | 62,746,000 | 69,805,000 |