Call reports 2012
VISALIA COMMUNITY BANK — 2012
What VISALIA COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 202,219,000 | 201,861,000 | 200,373,000 | 199,787,000 |
| Total loans | 128,170,000 | 126,145,000 | 125,155,000 | 123,326,000 |
| Allowance for loan losses | 2,993,000 | 3,126,000 | 3,033,000 | 3,112,000 |
| Securities available for sale | 20,230,000 | 19,372,000 | 16,907,000 | 16,212,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,323,000 | 175,806,000 | 174,288,000 | 173,520,000 |
| Interest-bearing deposits | 122,984,000 | 125,183,000 | 119,453,000 | 121,028,000 |
| Noninterest-bearing deposits | 53,340,000 | 50,624,000 | 54,834,000 | 52,491,000 |
| Equity capital | 18,861,000 | 18,948,000 | 18,825,000 | 18,723,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,907,000 | 3,792,000 | 5,583,000 | 7,424,000 |
| Interest expense | 108,000 | 208,000 | 304,000 | 397,000 |
| Net interest income | 1,799,000 | 3,584,000 | 5,279,000 | 7,027,000 |
| Noninterest income | 560,000 | 1,088,000 | 1,612,000 | 2,152,000 |
| Noninterest expense | 1,903,000 | 3,878,000 | 5,904,000 | 8,257,000 |
| Provision for loan losses | 145,000 | 294,000 | 685,000 | 834,000 |
| Pretax income | 311,000 | 500,000 | 302,000 | 88,000 |
| Income tax | 102,000 | 157,000 | 50,000 | -60,000 |
| Net income | 209,000 | 343,000 | 252,000 | 148,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,023,000 | 18,091,000 | 17,932,000 | 17,828,000 |
| Total capital | 19,846,000 | 19,867,000 | 19,690,000 | 19,570,000 |
| Risk-weighted assets | 144,642,000 | 140,721,000 | 139,362,000 | 137,957,000 |