Call reports 2003
VENTURA NATIONAL BANK & TRUST — 2003
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 10,260,000 | 9,668,000 | 10,110,000 | 9,999,000 |
| Total loans | 5,747,000 | 5,597,000 | 5,274,000 | 5,378,000 |
| Allowance for loan losses | 55,000 | 55,000 | 53,000 | 55,000 |
| Securities available for sale | 1,744,000 | 1,798,000 | 2,080,000 | 2,070,000 |
| Securities held to maturity | 1,413,000 | 1,212,000 | 1,010,000 | 895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,785,000 | 8,175,000 | 8,621,000 | 8,477,000 |
| Interest-bearing deposits | 7,915,000 | 7,398,000 | 7,747,000 | 7,629,000 |
| Noninterest-bearing deposits | 870,000 | 777,000 | 874,000 | 848,000 |
| Equity capital | 1,132,000 | 1,150,000 | 1,146,000 | 1,134,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 149,000 | 293,000 | 428,000 | 561,000 |
| Interest expense | 46,000 | 90,000 | 129,000 | 170,000 |
| Net interest income | 103,000 | 203,000 | 299,000 | 391,000 |
| Noninterest income | 13,000 | 26,000 | 39,000 | 55,000 |
| Noninterest expense | 77,000 | 154,000 | 231,000 | 316,000 |
| Provision for loan losses | 0 | 0 | 2,000 | 4,000 |
| Pretax income | 39,000 | 76,000 | 106,000 | 127,000 |
| Income tax | 10,000 | 19,000 | 27,000 | 32,000 |
| Net income | 29,000 | 57,000 | 79,000 | 95,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,109,000 | 1,123,000 | 1,130,000 | 1,131,000 |
| Total capital | 1,164,000 | 1,178,000 | 1,183,000 | 1,186,000 |
| Risk-weighted assets | 5,334,000 | 5,157,000 | 4,998,000 | 5,026,000 |
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