Call reports 2014
VENTURA NATIONAL BANK & TRUST — 2014
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 13,320,000 | 13,739,000 | 13,969,000 | 14,197,000 |
| Total loans | 7,967,000 | 8,093,000 | 7,893,000 | 8,230,000 |
| Allowance for loan losses | 83,000 | 85,000 | 84,000 | 85,000 |
| Securities available for sale | 1,105,000 | 852,000 | 901,000 | 399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,352,000 | 11,788,000 | 11,996,000 | 12,328,000 |
| Interest-bearing deposits | 9,007,000 | 9,199,000 | 9,619,000 | 9,252,000 |
| Noninterest-bearing deposits | 2,345,000 | 2,589,000 | 2,377,000 | 3,076,000 |
| Equity capital | 1,388,000 | 1,396,000 | 1,405,000 | 1,378,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 133,000 | 264,000 | 398,000 | 536,000 |
| Interest expense | 19,000 | 37,000 | 55,000 | 72,000 |
| Net interest income | 114,000 | 227,000 | 343,000 | 464,000 |
| Noninterest income | 14,000 | 34,000 | 50,000 | 65,000 |
| Noninterest expense | 115,000 | 234,000 | 354,000 | 479,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | 2,000 |
| Pretax income | 12,000 | 25,000 | 37,000 | 48,000 |
| Income tax | 3,000 | 7,000 | 9,000 | 9,000 |
| Net income | 9,000 | 18,000 | 28,000 | 39,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,385,000 | 1,394,000 | 1,404,000 | 1,378,000 |
| Total capital | 1,461,000 | 1,478,000 | 1,485,000 | 1,460,000 |
| Risk-weighted assets | 6,079,000 | 6,697,000 | 6,487,000 | 6,552,000 |
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