Call reports 2008
VENTURA NATIONAL BANK & TRUST — 2008
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 12,161,000 | 11,820,000 | 10,698,000 | 11,436,000 |
| Total loans | 6,556,000 | 6,994,000 | 6,923,000 | 7,067,000 |
| Allowance for loan losses | 70,000 | 70,000 | 70,000 | 70,000 |
| Securities available for sale | 4,593,000 | 3,499,000 | 2,584,000 | 2,686,000 |
| Securities held to maturity | 30,000 | 30,000 | 30,000 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,512,000 | 9,857,000 | 8,722,000 | 9,337,000 |
| Interest-bearing deposits | 8,822,000 | 8,584,000 | 7,726,000 | 8,088,000 |
| Noninterest-bearing deposits | 1,691,000 | 1,273,000 | 996,000 | 1,249,000 |
| Equity capital | 1,298,000 | 1,285,000 | 1,296,000 | 1,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 179,000 | 358,000 | 529,000 | 698,000 |
| Interest expense | 69,000 | 133,000 | 192,000 | 249,000 |
| Net interest income | 110,000 | 225,000 | 337,000 | 449,000 |
| Noninterest income | 12,000 | 25,000 | 38,000 | 50,000 |
| Noninterest expense | 102,000 | 208,000 | 308,000 | 419,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 20,000 | 42,000 | 67,000 | 80,000 |
| Income tax | 5,000 | 10,000 | 14,000 | 17,000 |
| Net income | 15,000 | 32,000 | 53,000 | 63,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,247,000 | 1,264,000 | 1,284,000 | 1,265,000 |
| Total capital | 1,317,000 | 1,334,000 | 1,354,000 | 1,335,000 |
| Risk-weighted assets | 6,450,000 | 6,316,000 | 5,595,000 | 6,103,000 |
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