Call reports 2002
VENTURA NATIONAL BANK & TRUST — 2002
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 8,898,000 | 8,685,000 | 9,576,000 | 9,653,000 |
| Total loans | 4,352,000 | 4,985,000 | 5,352,000 | 5,480,000 |
| Allowance for loan losses | 53,000 | 54,000 | 54,000 | 55,000 |
| Securities available for sale | 1,734,000 | 1,644,000 | 1,854,000 | 1,955,000 |
| Securities held to maturity | 1,627,000 | 1,377,000 | 1,376,000 | 1,415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,736,000 | 7,495,000 | 8,367,000 | 8,274,000 |
| Interest-bearing deposits | 6,777,000 | 6,652,000 | 7,406,000 | 7,422,000 |
| Noninterest-bearing deposits | 959,000 | 843,000 | 961,000 | 852,000 |
| Equity capital | 1,113,000 | 1,129,000 | 1,139,000 | 1,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 141,000 | 285,000 | 433,000 | 581,000 |
| Interest expense | 60,000 | 116,000 | 169,000 | 218,000 |
| Net interest income | 81,000 | 169,000 | 264,000 | 363,000 |
| Noninterest income | 11,000 | 24,000 | 36,000 | 47,000 |
| Noninterest expense | 72,000 | 143,000 | 221,000 | 303,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 50,000 | 79,000 | 107,000 |
| Income tax | 3,000 | 8,000 | 13,000 | 22,000 |
| Net income | 17,000 | 42,000 | 66,000 | 85,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,093,000 | 1,103,000 | 1,111,000 | 1,116,000 |
| Total capital | 1,146,000 | 1,157,000 | 1,165,000 | 1,171,000 |
| Risk-weighted assets | 4,271,000 | 4,422,000 | 4,852,000 | 4,931,000 |
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