Call reports 2006
VENTURA NATIONAL BANK & TRUST — 2006
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 9,902,000 | 10,327,000 | 10,331,000 | 10,489,000 |
| Total loans | 6,232,000 | 6,573,000 | 6,384,000 | 6,489,000 |
| Allowance for loan losses | 66,000 | 68,000 | 69,000 | 70,000 |
| Securities available for sale | 2,414,000 | 2,256,000 | 2,933,000 | 3,036,000 |
| Securities held to maturity | 180,000 | 180,000 | 180,000 | 165,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,334,000 | 8,752,000 | 8,735,000 | 8,937,000 |
| Interest-bearing deposits | 7,159,000 | 7,466,000 | 7,773,000 | 7,891,000 |
| Noninterest-bearing deposits | 1,175,000 | 1,286,000 | 962,000 | 1,046,000 |
| Equity capital | 1,153,000 | 1,165,000 | 1,174,000 | 1,189,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 145,000 | 299,000 | 472,000 | 647,000 |
| Interest expense | 49,000 | 103,000 | 169,000 | 236,000 |
| Net interest income | 96,000 | 196,000 | 303,000 | 411,000 |
| Noninterest income | 13,000 | 27,000 | 42,000 | 55,000 |
| Noninterest expense | 94,000 | 186,000 | 284,000 | 386,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | 4,000 |
| Pretax income | 14,000 | 34,000 | 57,000 | 76,000 |
| Income tax | 3,000 | 6,000 | 11,000 | 17,000 |
| Net income | 11,000 | 28,000 | 46,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,176,000 | 1,193,000 | 1,184,000 | 1,198,000 |
| Total capital | 1,242,000 | 1,261,000 | 1,252,000 | 1,268,000 |
| Risk-weighted assets | 5,276,000 | 5,635,000 | 5,406,000 | 5,665,000 |
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