Call reports 2002
VISALIA COMMUNITY BANK — 2002
What VISALIA COMMUNITY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 125,026,000 | 126,978,000 | 131,097,000 | 133,498,000 |
| Total loans | 83,130,000 | 83,860,000 | 88,976,000 | 92,554,000 |
| Allowance for loan losses | 1,445,000 | 1,431,000 | 1,423,000 | 1,438,000 |
| Securities available for sale | 10,006,000 | 6,096,000 | 9,756,000 | 10,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,981,000 | 112,268,000 | 116,089,000 | 117,946,000 |
| Interest-bearing deposits | 79,585,000 | 81,704,000 | 84,901,000 | 82,526,000 |
| Noninterest-bearing deposits | 30,397,000 | 30,563,000 | 31,188,000 | 35,420,000 |
| Equity capital | 10,699,000 | 10,408,000 | 10,605,000 | 10,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,601,000 | 3,263,000 | 4,986,000 | 6,688,000 |
| Interest expense | 383,000 | 774,000 | 1,170,000 | 1,509,000 |
| Net interest income | 1,218,000 | 2,481,000 | 3,816,000 | 5,179,000 |
| Noninterest income | 730,000 | 1,493,000 | 2,359,000 | 3,323,000 |
| Noninterest expense | 1,509,000 | 3,159,000 | 4,946,000 | 6,811,000 |
| Provision for loan losses | 30,000 | 36,000 | 66,000 | 66,000 |
| Pretax income | 409,000 | 787,000 | 1,163,000 | 1,625,000 |
| Income tax | 151,000 | 291,000 | 430,000 | 600,000 |
| Net income | 258,000 | 496,000 | 733,000 | 1,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,658,000 | 10,305,000 | 10,443,000 | 10,731,000 |
| Total capital | 11,870,000 | 11,514,000 | 11,700,000 | 11,995,000 |
| Risk-weighted assets | 96,744,000 | 96,437,000 | 100,387,000 | 100,831,000 |