Call reports 2013
BANK OF SANTA BARBARA, THE — 2013
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 140,650,000 | 157,946,000 | 155,405,000 | 153,266,000 |
| Total loans | 102,183,000 | 99,128,000 | 104,105,000 | 110,627,000 |
| Allowance for loan losses | 1,567,000 | 1,483,000 | 1,609,000 | 1,613,000 |
| Securities available for sale | 3,607,000 | 3,396,000 | 3,789,000 | 3,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,083,000 | 137,103,000 | 134,519,000 | 131,430,000 |
| Interest-bearing deposits | 72,990,000 | 94,985,000 | 87,644,000 | 80,299,000 |
| Noninterest-bearing deposits | 47,093,000 | 42,118,000 | 46,875,000 | 51,131,000 |
| Equity capital | 15,274,000 | 15,570,000 | 15,570,000 | 16,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 3,072,000 | 4,664,000 | 6,208,000 |
| Interest expense | 128,000 | 264,000 | 406,000 | 538,000 |
| Net interest income | 1,352,000 | 2,808,000 | 4,258,000 | 5,670,000 |
| Noninterest income | 100,000 | 197,000 | 346,000 | 586,000 |
| Noninterest expense | 1,318,000 | 2,725,000 | 4,287,000 | 5,841,000 |
| Provision for loan losses | 0 | 30,000 | 287,000 | 287,000 |
| Pretax income | 134,000 | 250,000 | 44,000 | 142,000 |
| Income tax | -200,000 | -400,000 | -600,000 | -1,427,000 |
| Net income | 334,000 | 650,000 | 644,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,751,000 | 14,891,000 | 14,213,000 | 14,584,000 |
| Total capital | 16,274,000 | 16,406,000 | 15,778,000 | 16,246,000 |
| Risk-weighted assets | 121,005,000 | 121,147,000 | 125,468,000 | 135,839,000 |