Call reports 2004
VENTURA COUNTY BUSINESS BANK — 2004
What VENTURA COUNTY BUSINESS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,347,000 | 64,272,000 | 70,093,000 | 75,186,000 |
| Total loans | 36,186,000 | 45,422,000 | 53,971,000 | 62,166,000 |
| Allowance for loan losses | 376,000 | 455,000 | 600,000 | 710,000 |
| Securities available for sale | 1,004,000 | 993,000 | 998,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,328,000 | 55,522,000 | 61,470,000 | 66,488,000 |
| Interest-bearing deposits | 29,206,000 | 34,392,000 | 41,099,000 | 48,704,000 |
| Noninterest-bearing deposits | 15,122,000 | 21,130,000 | 20,371,000 | 17,784,000 |
| Equity capital | 8,879,000 | 8,657,000 | 8,510,000 | 8,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,159,000 | 1,954,000 | 2,928,000 |
| Interest expense | 93,000 | 186,000 | 302,000 | 456,000 |
| Net interest income | 438,000 | 973,000 | 1,652,000 | 2,472,000 |
| Noninterest income | 22,000 | 51,000 | 91,000 | 133,000 |
| Noninterest expense | 613,000 | 1,307,000 | 2,031,000 | 2,764,000 |
| Provision for loan losses | 71,000 | 150,000 | 295,000 | 405,000 |
| Pretax income | -224,000 | -433,000 | -583,000 | -568,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -224,000 | -434,000 | -584,000 | -569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,866,000 | 8,656,000 | 8,505,000 | 8,521,000 |
| Total capital | 9,272,000 | 9,141,000 | 9,135,000 | 9,276,000 |
| Risk-weighted assets | 49,965,000 | 58,783,000 | 66,946,000 | 75,234,000 |
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