Call reports 2006
VISALIA COMMUNITY BANK — 2006
What VISALIA COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 174,802,000 | 171,053,000 | 169,632,000 | 172,926,000 |
| Total loans | 113,339,000 | 111,686,000 | 112,402,000 | 111,919,000 |
| Allowance for loan losses | 1,787,000 | 1,870,000 | 1,945,000 | 2,018,000 |
| Securities available for sale | 20,004,000 | 17,641,000 | 15,784,000 | 15,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,933,000 | 150,497,000 | 148,405,000 | 151,003,000 |
| Interest-bearing deposits | 104,602,000 | 100,422,000 | 101,165,000 | 95,609,000 |
| Noninterest-bearing deposits | 50,332,000 | 50,074,000 | 47,240,000 | 55,395,000 |
| Equity capital | 13,922,000 | 14,405,000 | 14,792,000 | 15,486,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,605,000 | 5,351,000 | 8,277,000 | 11,210,000 |
| Interest expense | 418,000 | 936,000 | 1,518,000 | 2,114,000 |
| Net interest income | 2,187,000 | 4,415,000 | 6,759,000 | 9,096,000 |
| Noninterest income | 742,000 | 1,476,000 | 2,215,000 | 2,951,000 |
| Noninterest expense | 1,967,000 | 3,948,000 | 5,973,000 | 7,884,000 |
| Provision for loan losses | 80,000 | 175,000 | 260,000 | 344,000 |
| Pretax income | 882,000 | 1,768,000 | 2,741,000 | 3,819,000 |
| Income tax | 338,000 | 677,000 | 1,052,000 | 1,471,000 |
| Net income | 544,000 | 1,091,000 | 1,689,000 | 2,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,144,000 | 14,690,000 | 14,956,000 | 15,615,000 |
| Total capital | 15,870,000 | 16,404,000 | 16,684,000 | 17,358,000 |
| Risk-weighted assets | 137,870,000 | 136,799,000 | 137,946,000 | 139,094,000 |