Call reports 2003
VISALIA COMMUNITY BANK — 2003
What VISALIA COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 133,213,000 | 137,729,000 | 143,573,000 | 141,250,000 |
| Total loans | 83,107,000 | 89,306,000 | 85,811,000 | 90,829,000 |
| Allowance for loan losses | 1,196,000 | 1,193,000 | 1,233,000 | 1,316,000 |
| Securities available for sale | 11,160,000 | 17,465,000 | 16,424,000 | 15,390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,516,000 | 124,880,000 | 131,037,000 | 128,469,000 |
| Interest-bearing deposits | 83,205,000 | 83,475,000 | 91,542,000 | 83,279,000 |
| Noninterest-bearing deposits | 34,311,000 | 41,405,000 | 39,495,000 | 45,191,000 |
| Equity capital | 11,076,000 | 11,369,000 | 11,321,000 | 11,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,609,000 | 3,286,000 | 4,917,000 | 6,570,000 |
| Interest expense | 284,000 | 715,000 | 945,000 | 1,161,000 |
| Net interest income | 1,325,000 | 2,571,000 | 3,972,000 | 5,409,000 |
| Noninterest income | 1,103,000 | 2,272,000 | 3,161,000 | 3,877,000 |
| Noninterest expense | 1,835,000 | 3,739,000 | 5,571,000 | 7,208,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 548,000 | 1,014,000 | 1,427,000 | 1,898,000 |
| Income tax | 208,000 | 375,000 | 511,000 | 677,000 |
| Net income | 340,000 | 639,000 | 916,000 | 1,221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,915,000 | 11,214,000 | 11,336,000 | 11,639,000 |
| Total capital | 12,155,000 | 12,484,000 | 12,658,000 | 13,000,000 |
| Risk-weighted assets | 99,151,000 | 105,880,000 | 107,261,000 | 108,819,000 |