Call reports 2010
VISALIA COMMUNITY BANK — 2010
What VISALIA COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 195,616,000 | 195,940,000 | 197,371,000 | 193,896,000 |
| Total loans | 141,928,000 | 136,036,000 | 134,426,000 | 134,297,000 |
| Allowance for loan losses | 3,074,000 | 3,308,000 | 3,355,000 | 3,311,000 |
| Securities available for sale | 2,831,000 | 1,822,000 | 1,831,000 | 2,485,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,741,000 | 167,608,000 | 168,448,000 | 166,964,000 |
| Interest-bearing deposits | 118,446,000 | 118,641,000 | 117,844,000 | 114,992,000 |
| Noninterest-bearing deposits | 49,295,000 | 48,966,000 | 50,604,000 | 51,972,000 |
| Equity capital | 17,733,000 | 17,826,000 | 18,017,000 | 18,262,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,232,000 | 6,328,000 | 8,444,000 |
| Interest expense | 322,000 | 609,000 | 883,000 | 1,131,000 |
| Net interest income | 1,791,000 | 3,623,000 | 5,445,000 | 7,313,000 |
| Noninterest income | 701,000 | 1,420,000 | 2,110,000 | 2,817,000 |
| Noninterest expense | 2,175,000 | 4,320,000 | 6,401,000 | 8,549,000 |
| Provision for loan losses | 703,000 | 1,025,000 | 1,180,000 | 1,177,000 |
| Pretax income | -386,000 | -302,000 | -26,000 | 404,000 |
| Income tax | -184,000 | -165,000 | -72,000 | 81,000 |
| Net income | -202,000 | -137,000 | 46,000 | 323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,873,000 | 17,151,000 | 17,639,000 | 17,896,000 |
| Total capital | 18,874,000 | 19,062,000 | 19,543,000 | 19,788,000 |
| Risk-weighted assets | 159,009,000 | 151,084,000 | 150,831,000 | 149,934,000 |