Call reports 2009
VENTURA COUNTY BUSINESS BANK — 2009
What VENTURA COUNTY BUSINESS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 106,078,000 | 102,922,000 | 104,437,000 | 92,431,000 |
| Total loans | 78,868,000 | 72,127,000 | 70,262,000 | 61,970,000 |
| Allowance for loan losses | 1,658,000 | 1,245,000 | 2,026,000 | 2,161,000 |
| Securities available for sale | 11,510,000 | 11,727,000 | 10,979,000 | 10,841,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,579,000 | 82,955,000 | 85,779,000 | 77,252,000 |
| Interest-bearing deposits | 71,669,000 | 56,681,000 | 57,106,000 | 46,009,000 |
| Noninterest-bearing deposits | 21,910,000 | 26,274,000 | 28,673,000 | 31,243,000 |
| Equity capital | 7,232,000 | 6,756,000 | 5,446,000 | 1,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,188,000 | 2,213,000 | 3,367,000 | 4,463,000 |
| Interest expense | 427,000 | 745,000 | 1,029,000 | 1,284,000 |
| Net interest income | 761,000 | 1,468,000 | 2,338,000 | 3,179,000 |
| Noninterest income | 37,000 | -6,000 | -221,000 | -1,582,000 |
| Noninterest expense | 944,000 | 1,831,000 | 2,785,000 | 4,212,000 |
| Provision for loan losses | 2,690,000 | 3,107,000 | 4,209,000 | 5,809,000 |
| Pretax income | -2,716,000 | -3,356,000 | -4,757,000 | -8,304,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -2,716,000 | -3,357,000 | -4,758,000 | -8,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,177,000 | 6,556,000 | 5,175,000 | 1,649,000 |
| Total capital | 8,368,000 | 7,650,000 | 6,225,000 | 2,590,000 |
| Risk-weighted assets | 94,033,000 | 86,593,000 | 83,029,000 | 73,258,000 |
Machine access — free, no API key
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