Call reports 2003
VENTURA COUNTY BUSINESS BANK — 2003
What VENTURA COUNTY BUSINESS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Total assets | 24,776,000 | 36,909,000 | 47,477,000 |
| Total loans | 4,620,000 | 12,733,000 | 30,362,000 |
| Allowance for loan losses | 34,000 | 91,000 | 305,000 |
| Securities available for sale | 0 | 0 | 998,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 14,476,000 | 27,035,000 | 38,253,000 |
| Interest-bearing deposits | 9,586,000 | 18,978,000 | 24,625,000 |
| Noninterest-bearing deposits | 4,890,000 | 8,057,000 | 13,628,000 |
| Equity capital | 10,297,000 | 9,815,000 | 9,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Interest income | 71,000 | 267,000 | 561,000 |
| Interest expense | 17,000 | 65,000 | 141,000 |
| Net interest income | 54,000 | 202,000 | 420,000 |
| Noninterest income | 13,000 | 9,000 | 32,000 |
| Noninterest expense | 734,000 | 1,305,000 | 2,095,000 |
| Provision for loan losses | 34,000 | 91,000 | 305,000 |
| Pretax income | -701,000 | -1,185,000 | -1,948,000 |
| Income tax | 2,000 | 0 | 2,000 |
| Net income | -703,000 | -1,185,000 | -1,950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|
| Tier 1 capital | 10,297,000 | 9,815,000 | 9,050,000 |
| Total capital | 10,331,000 | 9,906,000 | 9,380,000 |
| Risk-weighted assets | 9,035,000 | 17,960,000 | 42,347,000 |
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