Call reports 2009
VISIONBANK — 2009
What VISIONBANK 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 | 131,150,000 | 132,122,000 | 138,380,000 | 137,680,000 |
| Total loans | 114,206,000 | 115,996,000 | 111,647,000 | 113,536,000 |
| Allowance for loan losses | 1,106,000 | 1,239,000 | 1,390,000 | 1,911,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,732,000 | 110,931,000 | 117,226,000 | 116,878,000 |
| Interest-bearing deposits | 101,731,000 | 101,567,000 | 106,252,000 | 104,725,000 |
| Noninterest-bearing deposits | 8,001,000 | 9,365,000 | 10,974,000 | 12,153,000 |
| Equity capital | 12,285,000 | 12,063,000 | 12,160,000 | 12,123,000 |
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 | 1,742,000 | 3,450,000 | 4,772,000 | 6,486,000 |
| Interest expense | 685,000 | 1,340,000 | 1,993,000 | 2,613,000 |
| Net interest income | 1,057,000 | 2,110,000 | 2,779,000 | 3,873,000 |
| Noninterest income | 75,000 | 135,000 | 597,000 | 755,000 |
| Noninterest expense | 908,000 | 1,830,000 | 2,660,000 | 3,399,000 |
| Provision for loan losses | 965,000 | 1,545,000 | 1,695,000 | 2,215,000 |
| Pretax income | -741,000 | -1,130,000 | -979,000 | -986,000 |
| Income tax | -286,000 | -454,000 | -398,000 | -369,000 |
| Net income | -455,000 | -676,000 | -581,000 | -617,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,492,000 | 11,280,000 | 11,388,000 | 11,361,000 |
| Total capital | 12,598,000 | 12,519,000 | 12,771,000 | 12,753,000 |
| Risk-weighted assets | 114,061,000 | 115,969,000 | 109,857,000 | 110,862,000 |