Call reports 2008
VISALIA COMMUNITY BANK — 2008
What VISALIA COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 188,311,000 | 186,258,000 | 202,447,000 | 196,280,000 |
| Total loans | 135,729,000 | 139,737,000 | 147,081,000 | 142,025,000 |
| Allowance for loan losses | 1,791,000 | 1,880,000 | 1,994,000 | 2,528,000 |
| Securities available for sale | 13,408,000 | 12,892,000 | 12,644,000 | 12,456,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,477,000 | 157,400,000 | 170,913,000 | 164,113,000 |
| Interest-bearing deposits | 114,417,000 | 107,159,000 | 113,341,000 | 111,301,000 |
| Noninterest-bearing deposits | 51,060,000 | 50,240,000 | 57,573,000 | 52,813,000 |
| Equity capital | 17,185,000 | 17,349,000 | 17,632,000 | 17,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,867,000 | 5,611,000 | 8,315,000 | 11,053,000 |
| Interest expense | 609,000 | 1,089,000 | 1,587,000 | 2,150,000 |
| Net interest income | 2,258,000 | 4,522,000 | 6,728,000 | 8,903,000 |
| Noninterest income | 739,000 | 1,506,000 | 2,285,000 | 3,042,000 |
| Noninterest expense | 2,061,000 | 4,129,000 | 6,262,000 | 8,576,000 |
| Provision for loan losses | 147,000 | 308,000 | 568,000 | 1,140,000 |
| Pretax income | 789,000 | 1,591,000 | 2,183,000 | 2,229,000 |
| Income tax | 296,000 | 599,000 | 815,000 | 807,000 |
| Net income | 493,000 | 992,000 | 1,368,000 | 1,422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,991,000 | 17,300,000 | 17,562,000 | 17,559,000 |
| Total capital | 18,822,000 | 19,217,000 | 19,597,000 | 19,635,000 |
| Risk-weighted assets | 159,020,000 | 162,518,000 | 171,667,000 | 165,623,000 |