Call reports 2005
VENTURA NATIONAL BANK & TRUST — 2005
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 9,719,000 | 9,795,000 | 10,192,000 | 9,863,000 |
| Total loans | 5,727,000 | 6,370,000 | 6,068,000 | 6,160,000 |
| Allowance for loan losses | 60,000 | 61,000 | 62,000 | 64,000 |
| Securities available for sale | 2,309,000 | 2,224,000 | 2,318,000 | 2,416,000 |
| Securities held to maturity | 286,000 | 186,000 | 186,000 | 181,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,240,000 | 8,195,000 | 8,572,000 | 8,314,000 |
| Interest-bearing deposits | 7,030,000 | 7,143,000 | 7,225,000 | 7,143,000 |
| Noninterest-bearing deposits | 1,210,000 | 1,052,000 | 1,347,000 | 1,171,000 |
| Equity capital | 1,125,000 | 1,150,000 | 1,158,000 | 1,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 127,000 | 258,000 | 400,000 | 544,000 |
| Interest expense | 37,000 | 77,000 | 121,000 | 168,000 |
| Net interest income | 90,000 | 181,000 | 279,000 | 376,000 |
| Noninterest income | 12,000 | 27,000 | 41,000 | 54,000 |
| Noninterest expense | 89,000 | 177,000 | 271,000 | 366,000 |
| Provision for loan losses | 1,000 | 1,000 | 3,000 | 3,000 |
| Pretax income | 12,000 | 29,000 | 45,000 | 60,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 11,000 |
| Net income | 10,000 | 24,000 | 37,000 | 49,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,152,000 | 1,166,000 | 1,179,000 | 1,165,000 |
| Total capital | 1,212,000 | 1,227,000 | 1,241,000 | 1,229,000 |
| Risk-weighted assets | 5,316,000 | 5,609,000 | 5,383,000 | 5,427,000 |
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