Call reports 2001
VISALIA COMMUNITY BANK — 2001
What VISALIA COMMUNITY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 117,966,000 | 112,928,000 | 116,070,000 | 117,251,000 |
| Total loans | 70,462,000 | 74,916,000 | 78,481,000 | 76,029,000 |
| Allowance for loan losses | 1,472,000 | 1,467,000 | 1,388,000 | 1,366,000 |
| Securities available for sale | 8,067,000 | 12,042,000 | 10,666,000 | 9,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,079,000 | 99,552,000 | 102,294,000 | 105,408,000 |
| Interest-bearing deposits | 76,903,000 | 72,988,000 | 75,970,000 | 74,808,000 |
| Noninterest-bearing deposits | 27,176,000 | 26,564,000 | 26,324,000 | 30,601,000 |
| Equity capital | 10,330,000 | 10,163,000 | 10,578,000 | 10,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,010,000 | 3,887,000 | 5,751,000 | 7,434,000 |
| Interest expense | 814,000 | 1,518,000 | 2,162,000 | 2,772,000 |
| Net interest income | 1,196,000 | 2,369,000 | 3,589,000 | 4,662,000 |
| Noninterest income | 511,000 | 1,141,000 | 2,055,000 | 2,779,000 |
| Noninterest expense | 1,374,000 | 2,836,000 | 4,313,000 | 5,845,000 |
| Provision for loan losses | 30,000 | 60,000 | 60,000 | 90,000 |
| Pretax income | 303,000 | 614,000 | 1,271,000 | 1,506,000 |
| Income tax | 110,000 | 222,000 | 476,000 | 591,000 |
| Net income | 193,000 | 392,000 | 795,000 | 915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,290,000 | 10,116,000 | 10,433,000 | 10,484,000 |
| Total capital | 11,289,000 | 11,251,000 | 11,600,000 | 11,639,000 |
| Risk-weighted assets | 79,483,000 | 90,465,000 | 93,171,000 | 92,190,000 |