Call reports 2009
VISALIA COMMUNITY BANK — 2009
What VISALIA COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 204,869,000 | 200,027,000 | 203,001,000 | 194,590,000 |
| Total loans | 138,483,000 | 144,436,000 | 146,102,000 | 143,745,000 |
| Allowance for loan losses | 3,864,000 | 2,767,000 | 3,896,000 | 2,849,000 |
| Securities available for sale | 8,033,000 | 5,621,000 | 4,361,000 | 3,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,757,000 | 169,072,000 | 172,435,000 | 164,277,000 |
| Interest-bearing deposits | 120,908,000 | 120,648,000 | 120,867,000 | 118,765,000 |
| Noninterest-bearing deposits | 52,849,000 | 48,424,000 | 51,568,000 | 45,511,000 |
| Equity capital | 16,818,000 | 16,850,000 | 16,365,000 | 16,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,217,000 | 4,470,000 | 6,786,000 | 9,045,000 |
| Interest expense | 563,000 | 1,052,000 | 1,514,000 | 1,893,000 |
| Net interest income | 1,654,000 | 3,418,000 | 5,272,000 | 7,152,000 |
| Noninterest income | 674,000 | 1,385,000 | 2,105,000 | 2,882,000 |
| Noninterest expense | 2,090,000 | 4,189,000 | 6,276,000 | 8,410,000 |
| Provision for loan losses | 1,501,000 | 1,815,000 | 3,173,000 | 3,701,000 |
| Pretax income | -1,271,000 | -1,209,000 | -2,080,000 | -2,085,000 |
| Income tax | -551,000 | -552,000 | -938,000 | -951,000 |
| Net income | -720,000 | -657,000 | -1,142,000 | -1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,744,000 | 16,807,000 | 16,322,000 | 16,331,000 |
| Total capital | 18,751,000 | 18,872,000 | 18,391,000 | 18,361,000 |
| Risk-weighted assets | 158,642,000 | 164,447,000 | 163,642,000 | 161,551,000 |