Call reports 2005
VENTURA COUNTY BUSINESS BANK — 2005
What VENTURA COUNTY BUSINESS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,699,000 | 77,643,000 | 92,146,000 | 81,088,000 |
| Total loans | 62,081,000 | 66,561,000 | 68,494,000 | 60,970,000 |
| Allowance for loan losses | 760,000 | 840,000 | 840,000 | 840,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,870,000 | 68,693,000 | 82,915,000 | 71,576,000 |
| Interest-bearing deposits | 48,143,000 | 52,232,000 | 62,647,000 | 51,632,000 |
| Noninterest-bearing deposits | 16,727,000 | 16,461,000 | 20,268,000 | 19,944,000 |
| Equity capital | 8,660,000 | 8,785,000 | 9,074,000 | 9,219,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,089,000 | 2,305,000 | 3,691,000 | 5,152,000 |
| Interest expense | 242,000 | 567,000 | 991,000 | 1,407,000 |
| Net interest income | 847,000 | 1,738,000 | 2,700,000 | 3,745,000 |
| Noninterest income | 44,000 | 89,000 | 128,000 | 171,000 |
| Noninterest expense | 702,000 | 1,437,000 | 2,166,000 | 3,109,000 |
| Provision for loan losses | 50,000 | 130,000 | 130,000 | 130,000 |
| Pretax income | 139,000 | 260,000 | 532,000 | 677,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 138,000 | 259,000 | 531,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,660,000 | 8,785,000 | 9,074,000 | 9,219,000 |
| Total capital | 9,465,000 | 9,660,000 | 9,949,000 | 10,094,000 |
| Risk-weighted assets | 73,963,000 | 78,672,000 | 81,791,000 | 72,633,000 |
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