Call reports 2004
VENTURA NATIONAL BANK & TRUST — 2004
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 10,003,000 | 9,991,000 | 9,441,000 | 9,330,000 |
| Total loans | 5,325,000 | 5,744,000 | 6,058,000 | 6,043,000 |
| Allowance for loan losses | 57,000 | 58,000 | 58,000 | 59,000 |
| Securities available for sale | 2,403,000 | 2,239,000 | 2,053,000 | 2,030,000 |
| Securities held to maturity | 893,000 | 692,000 | 392,000 | 387,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,468,000 | 8,480,000 | 7,908,000 | 7,856,000 |
| Interest-bearing deposits | 7,522,000 | 7,306,000 | 6,729,000 | 6,839,000 |
| Noninterest-bearing deposits | 946,000 | 1,174,000 | 1,179,000 | 1,017,000 |
| Equity capital | 1,138,000 | 1,122,000 | 1,136,000 | 1,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 128,000 | 255,000 | 383,000 | 512,000 |
| Interest expense | 37,000 | 73,000 | 108,000 | 144,000 |
| Net interest income | 91,000 | 182,000 | 275,000 | 368,000 |
| Noninterest income | 20,000 | 34,000 | 62,000 | 74,000 |
| Noninterest expense | 78,000 | 153,000 | 250,000 | 335,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 2,000 |
| Pretax income | 32,000 | 62,000 | 86,000 | 106,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 22,000 |
| Net income | 26,000 | 50,000 | 68,000 | 84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,129,000 | 1,138,000 | 1,142,000 | 1,142,000 |
| Total capital | 1,186,000 | 1,196,000 | 1,200,000 | 1,201,000 |
| Risk-weighted assets | 4,950,000 | 5,194,000 | 5,186,000 | 5,297,000 |
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