Call reports 2004
VISALIA COMMUNITY BANK — 2004
What VISALIA COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 140,583,000 | 148,538,000 | 149,618,000 | 156,991,000 |
| Total loans | 91,222,000 | 96,576,000 | 94,477,000 | 100,198,000 |
| Allowance for loan losses | 1,394,000 | 1,431,000 | 1,430,000 | 1,462,000 |
| Securities available for sale | 15,230,000 | 18,419,000 | 24,588,000 | 26,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,520,000 | 135,478,000 | 136,181,000 | 143,161,000 |
| Interest-bearing deposits | 87,221,000 | 89,288,000 | 92,644,000 | 98,368,000 |
| Noninterest-bearing deposits | 40,299,000 | 46,190,000 | 43,537,000 | 44,793,000 |
| Equity capital | 11,748,000 | 11,824,000 | 12,128,000 | 12,481,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,652,000 | 3,340,000 | 5,178,000 | 7,095,000 |
| Interest expense | 201,000 | 397,000 | 602,000 | 819,000 |
| Net interest income | 1,451,000 | 2,943,000 | 4,576,000 | 6,276,000 |
| Noninterest income | 729,000 | 1,531,000 | 2,280,000 | 3,051,000 |
| Noninterest expense | 1,748,000 | 3,517,000 | 5,315,000 | 7,065,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 387,000 | 864,000 | 1,403,000 | 2,079,000 |
| Income tax | 136,000 | 305,000 | 507,000 | 766,000 |
| Net income | 251,000 | 559,000 | 896,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,695,000 | 12,003,000 | 12,146,000 | 12,562,000 |
| Total capital | 13,067,000 | 13,463,000 | 13,604,000 | 14,105,000 |
| Risk-weighted assets | 109,611,000 | 116,782,000 | 116,624,000 | 124,390,000 |