Call reports 2015
BANK OF SANTA BARBARA, THE — 2015
What BANK OF SANTA BARBARA, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 181,481,000 | 182,818,000 | 181,831,000 | 177,345,000 |
| Total loans | 126,782,000 | 130,296,000 | 134,058,000 | 141,018,000 |
| Allowance for loan losses | 1,760,000 | 1,760,000 | 1,810,000 | 1,823,000 |
| Securities available for sale | 2,885,000 | 2,810,000 | 2,735,000 | 2,670,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,974,000 | 151,283,000 | 163,117,000 | 159,659,000 |
| Interest-bearing deposits | 91,604,000 | 93,403,000 | 106,189,000 | 105,156,000 |
| Noninterest-bearing deposits | 58,369,000 | 57,880,000 | 56,927,000 | 54,504,000 |
| Equity capital | 16,559,000 | 16,565,000 | 16,283,000 | 15,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,842,000 | 3,695,000 | 5,589,000 | 7,449,000 |
| Interest expense | 123,000 | 257,000 | 381,000 | 510,000 |
| Net interest income | 1,719,000 | 3,438,000 | 5,208,000 | 6,939,000 |
| Noninterest income | 210,000 | 312,000 | 438,000 | 590,000 |
| Noninterest expense | 1,815,000 | 3,633,000 | 5,797,000 | 7,870,000 |
| Provision for loan losses | -445,000 | -445,000 | -430,000 | 737,000 |
| Pretax income | 559,000 | 562,000 | 279,000 | -1,078,000 |
| Income tax | 0 | 0 | 0 | -215,000 |
| Net income | 559,000 | 562,000 | 279,000 | -863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,361,000 | 15,374,000 | 15,101,000 | 14,192,000 |
| Total capital | 17,163,000 | 17,224,000 | 17,001,000 | 16,106,000 |
| Risk-weighted assets | 143,508,000 | 151,899,000 | 151,904,000 | 159,024,000 |