Call reports 2008
VENTURA COUNTY BUSINESS BANK — 2008
What VENTURA COUNTY BUSINESS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 107,450,000 | 103,316,000 | 103,271,000 | 108,763,000 |
| Total loans | 89,688,000 | 87,658,000 | 85,893,000 | 87,398,000 |
| Allowance for loan losses | 1,410,000 | 1,890,000 | 1,160,000 | 1,549,000 |
| Securities available for sale | 5,118,000 | 4,978,000 | 4,877,000 | 16,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,794,000 | 87,297,000 | 87,527,000 | 93,406,000 |
| Interest-bearing deposits | 71,638,000 | 67,739,000 | 68,272,000 | 75,347,000 |
| Noninterest-bearing deposits | 19,156,000 | 19,558,000 | 19,255,000 | 18,059,000 |
| Equity capital | 11,389,000 | 10,773,000 | 10,443,000 | 10,048,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,057,000 | 4,422,000 | 5,707,000 |
| Interest expense | 680,000 | 1,214,000 | 1,702,000 | 2,168,000 |
| Net interest income | 1,015,000 | 1,843,000 | 2,720,000 | 3,539,000 |
| Noninterest income | 38,000 | 81,000 | 134,000 | 188,000 |
| Noninterest expense | 1,030,000 | 1,973,000 | 2,947,000 | 4,041,000 |
| Provision for loan losses | 140,000 | 620,000 | 896,000 | 1,376,000 |
| Pretax income | -117,000 | -669,000 | -989,000 | -1,690,000 |
| Income tax | -33,000 | 1,000 | 1,000 | 1,000 |
| Net income | -84,000 | -670,000 | -990,000 | -1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,346,000 | 10,806,000 | 10,530,000 | 9,873,000 |
| Total capital | 12,664,000 | 12,100,000 | 11,736,000 | 11,124,000 |
| Risk-weighted assets | 104,564,000 | 102,134,000 | 99,110,000 | 98,974,000 |
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