Call reports 2007
VISALIA COMMUNITY BANK — 2007
What VISALIA COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 175,446,000 | 187,578,000 | 185,170,000 | 178,694,000 |
| Total loans | 115,152,000 | 128,098,000 | 138,092,000 | 135,402,000 |
| Allowance for loan losses | 2,019,000 | 1,949,000 | 1,806,000 | 1,676,000 |
| Securities available for sale | 15,497,000 | 16,557,000 | 16,508,000 | 13,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,211,000 | 166,820,000 | 163,724,000 | 156,624,000 |
| Interest-bearing deposits | 103,732,000 | 110,206,000 | 110,066,000 | 107,029,000 |
| Noninterest-bearing deposits | 51,479,000 | 56,614,000 | 53,658,000 | 49,596,000 |
| Equity capital | 15,745,000 | 16,152,000 | 16,388,000 | 16,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,781,000 | 5,742,000 | 8,989,000 | 12,134,000 |
| Interest expense | 594,000 | 1,290,000 | 2,047,000 | 2,781,000 |
| Net interest income | 2,187,000 | 4,452,000 | 6,942,000 | 9,353,000 |
| Noninterest income | 751,000 | 1,556,000 | 2,366,000 | 3,174,000 |
| Noninterest expense | 1,984,000 | 3,964,000 | 6,012,000 | 8,126,000 |
| Provision for loan losses | -2,000 | 6,000 | 111,000 | 205,000 |
| Pretax income | 955,000 | 2,037,000 | 3,184,000 | 4,195,000 |
| Income tax | 368,000 | 786,000 | 1,233,000 | 1,621,000 |
| Net income | 587,000 | 1,251,000 | 1,951,000 | 2,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,851,000 | 16,320,000 | 16,428,000 | 16,861,000 |
| Total capital | 17,631,000 | 18,222,000 | 18,319,000 | 18,578,000 |
| Risk-weighted assets | 142,114,000 | 152,021,000 | 161,629,000 | 159,712,000 |