Call reports 2025
VENTURA NATIONAL BANK & TRUST — 2025
What VENTURA NATIONAL BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 31,931,000 | 37,107,000 | 51,088,000 | 62,961,000 |
| Total loans | 21,545,000 | 25,427,000 | 29,155,000 | 34,064,000 |
| Allowance for loan losses | 246,000 | 291,000 | 292,000 | 297,000 |
| Securities available for sale | 0 | 0 | 1,430,000 | 1,438,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,589,000 | 27,856,000 | 41,793,000 | 53,836,000 |
| Interest-bearing deposits | 10,516,000 | 20,069,000 | 39,226,000 | 51,416,000 |
| Noninterest-bearing deposits | 12,073,000 | 7,787,000 | 2,567,000 | 2,420,000 |
| Equity capital | 9,028,000 | 8,946,000 | 8,897,000 | 8,808,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 534,000 | 1,061,000 | 1,806,000 | 2,606,000 |
| Interest expense | 153,000 | 300,000 | 621,000 | 1,015,000 |
| Net interest income | 381,000 | 761,000 | 1,185,000 | 1,591,000 |
| Noninterest income | 9,000 | 24,000 | 40,000 | 53,000 |
| Noninterest expense | 385,000 | 840,000 | 1,340,000 | 1,871,000 |
| Provision for loan losses | 0 | 45,000 | 45,000 | 50,000 |
| Pretax income | 5,000 | -102,000 | -162,000 | -279,000 |
| Income tax | 0 | -25,000 | -39,000 | -66,000 |
| Net income | 5,000 | -77,000 | -123,000 | -213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,015,000 | 8,909,000 | 8,845,000 | 8,730,000 |
| Total capital | 9,265,000 | 9,206,000 | — | — |
| Risk-weighted assets | 20,898,000 | 25,582,000 | — | — |
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