Call reports 2005
VISALIA COMMUNITY BANK — 2005
What VISALIA COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 157,542,000 | 161,392,000 | 163,131,000 | 175,601,000 |
| Total loans | 107,966,000 | 112,290,000 | 109,110,000 | 108,572,000 |
| Allowance for loan losses | 1,515,000 | 1,544,000 | 1,597,000 | 1,702,000 |
| Securities available for sale | 24,175,000 | 20,445,000 | 18,551,000 | 20,367,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,684,000 | 142,643,000 | 144,083,000 | 156,048,000 |
| Interest-bearing deposits | 95,759,000 | 93,259,000 | 97,192,000 | 100,953,000 |
| Noninterest-bearing deposits | 43,926,000 | 49,383,000 | 46,891,000 | 55,096,000 |
| Equity capital | 12,485,000 | 13,124,000 | 13,323,000 | 13,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,995,000 | 4,185,000 | 6,498,000 | 8,957,000 |
| Interest expense | 222,000 | 509,000 | 828,000 | 1,197,000 |
| Net interest income | 1,773,000 | 3,676,000 | 5,670,000 | 7,760,000 |
| Noninterest income | 706,000 | 1,441,000 | 2,208,000 | 2,907,000 |
| Noninterest expense | 1,842,000 | 3,582,000 | 5,460,000 | 7,477,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 242,000 |
| Pretax income | 592,000 | 1,413,000 | 2,236,000 | 2,916,000 |
| Income tax | 211,000 | 524,000 | 846,000 | 1,098,000 |
| Net income | 381,000 | 889,000 | 1,390,000 | 1,818,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,709,000 | 13,217,000 | 13,464,000 | 13,892,000 |
| Total capital | 14,317,000 | 14,876,000 | 15,149,000 | 15,592,000 |
| Risk-weighted assets | 130,261,000 | 135,113,000 | 134,815,000 | 135,868,000 |