Call reports 2015
VENTURA NATIONAL BANK & TRUST — 2015
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 14,216,000 | 14,021,000 | 13,620,000 | 13,775,000 |
| Total loans | 8,390,000 | 8,621,000 | 8,348,000 | 8,227,000 |
| Allowance for loan losses | 86,000 | 87,000 | 88,000 | 88,000 |
| Securities available for sale | 150,000 | 50,000 | 50,000 | 50,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,324,000 | 12,133,000 | 11,224,000 | 11,499,000 |
| Interest-bearing deposits | 10,355,000 | 10,323,000 | 9,165,000 | 8,956,000 |
| Noninterest-bearing deposits | 1,969,000 | 1,810,000 | 2,059,000 | 2,543,000 |
| Equity capital | 1,388,000 | 1,408,000 | 1,426,000 | 1,384,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 134,000 | 275,000 | 417,000 | 559,000 |
| Interest expense | 16,000 | 34,000 | 50,000 | 67,000 |
| Net interest income | 118,000 | 241,000 | 367,000 | 492,000 |
| Noninterest income | 13,000 | 31,000 | 49,000 | 65,000 |
| Noninterest expense | 117,000 | 234,000 | 354,000 | 483,000 |
| Provision for loan losses | 1,000 | 2,000 | 2,000 | 3,000 |
| Pretax income | 13,000 | 36,000 | 60,000 | 71,000 |
| Income tax | 3,000 | 7,000 | 12,000 | 16,000 |
| Net income | 10,000 | 29,000 | 48,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,388,000 | 1,408,000 | 1,426,000 | 1,384,000 |
| Total capital | 1,474,000 | 1,495,000 | 1,510,000 | 1,466,000 |
| Risk-weighted assets | 6,984,000 | 6,995,000 | 6,756,000 | 6,566,000 |