Call reports 2007
VENTURA NATIONAL BANK & TRUST — 2007
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 11,153,000 | 10,943,000 | 11,112,000 | 10,986,000 |
| Total loans | 6,328,000 | 6,679,000 | 6,570,000 | 6,360,000 |
| Allowance for loan losses | 70,000 | 70,000 | 70,000 | 70,000 |
| Securities available for sale | 3,392,000 | 3,382,000 | 3,502,000 | 3,691,000 |
| Securities held to maturity | 165,000 | 165,000 | 165,000 | 30,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,574,000 | 9,256,000 | 9,379,000 | 9,412,000 |
| Interest-bearing deposits | 8,480,000 | 8,236,000 | 8,119,000 | 8,098,000 |
| Noninterest-bearing deposits | 1,094,000 | 1,020,000 | 1,260,000 | 1,314,000 |
| Equity capital | 1,204,000 | 1,213,000 | 1,250,000 | 1,248,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 180,000 | 360,000 | 545,000 | 731,000 |
| Interest expense | 77,000 | 153,000 | 230,000 | 303,000 |
| Net interest income | 103,000 | 207,000 | 315,000 | 428,000 |
| Noninterest income | 10,000 | 23,000 | 36,000 | 48,000 |
| Noninterest expense | 99,000 | 198,000 | 301,000 | 407,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,000 |
| Pretax income | 14,000 | 32,000 | 62,000 | 80,000 |
| Income tax | 3,000 | 6,000 | 12,000 | 17,000 |
| Net income | 11,000 | 26,000 | 50,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,208,000 | 1,224,000 | 1,248,000 | 1,232,000 |
| Total capital | 1,278,000 | 1,294,000 | 1,318,000 | 1,302,000 |
| Risk-weighted assets | 5,831,000 | 5,581,000 | 5,823,000 | 5,912,000 |
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