Call reports 2016
VENTURA NATIONAL BANK & TRUST — 2016
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 13,711,000 | 13,640,000 | 14,039,000 | 13,905,000 |
| Total loans | 8,276,000 | 8,483,000 | 8,136,000 | 8,368,000 |
| Allowance for loan losses | 89,000 | 89,000 | 90,000 | 90,000 |
| Securities available for sale | 50,000 | 50,000 | 50,000 | 50,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,884,000 | 11,825,000 | 12,197,000 | 12,122,000 |
| Interest-bearing deposits | 9,835,000 | 9,941,000 | 10,228,000 | 10,121,000 |
| Noninterest-bearing deposits | 2,049,000 | 1,884,000 | 1,969,000 | 2,001,000 |
| Equity capital | 1,395,000 | 1,405,000 | 1,418,000 | 1,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 142,000 | 284,000 | 428,000 | 571,000 |
| Interest expense | 18,000 | 37,000 | 56,000 | 74,000 |
| Net interest income | 124,000 | 247,000 | 372,000 | 497,000 |
| Noninterest income | 12,000 | 27,000 | 42,000 | 55,000 |
| Noninterest expense | 122,000 | 246,000 | 371,000 | 498,000 |
| Provision for loan losses | 1,000 | 1,000 | 1,000 | 1,000 |
| Pretax income | 13,000 | 27,000 | 42,000 | 53,000 |
| Income tax | 2,000 | 5,000 | 8,000 | 10,000 |
| Net income | 11,000 | 22,000 | 34,000 | 43,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,395,000 | 1,405,000 | 1,418,000 | 1,387,000 |
| Total capital | 1,480,000 | 1,489,000 | 1,499,000 | 1,471,000 |
| Risk-weighted assets | 6,831,000 | 6,735,000 | 6,448,000 | 6,734,000 |