Call reports 2010
VISIONBANK — 2010
What VISIONBANK 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 | 134,396,000 | 130,460,000 | 134,011,000 | 137,997,000 |
| Total loans | 115,383,000 | 116,148,000 | 108,279,000 | 113,013,000 |
| Allowance for loan losses | 2,061,000 | 2,116,000 | 1,360,000 | 1,479,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,491,000 | 109,265,000 | 112,544,000 | 116,873,000 |
| Interest-bearing deposits | 103,221,000 | 97,952,000 | 101,386,000 | 104,818,000 |
| Noninterest-bearing deposits | 10,270,000 | 11,313,000 | 11,158,000 | 12,055,000 |
| Equity capital | 12,218,000 | 12,348,000 | 12,466,000 | 12,434,000 |
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 | 1,629,000 | 3,298,000 | 4,924,000 | 6,571,000 |
| Interest expense | 544,000 | 1,060,000 | 1,555,000 | 2,028,000 |
| Net interest income | 1,085,000 | 2,238,000 | 3,369,000 | 4,543,000 |
| Noninterest income | 147,000 | 353,000 | 636,000 | 905,000 |
| Noninterest expense | 940,000 | 1,947,000 | 2,997,000 | 4,334,000 |
| Provision for loan losses | 150,000 | 300,000 | 475,000 | 625,000 |
| Pretax income | 142,000 | 344,000 | 533,000 | 489,000 |
| Income tax | 47,000 | 119,000 | 190,000 | 178,000 |
| Net income | 95,000 | 225,000 | 343,000 | 311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,460,000 | 11,596,000 | 11,719,000 | 11,692,000 |
| Total capital | 12,855,000 | 12,976,000 | 12,984,000 | 12,999,000 |
| Risk-weighted assets | 110,940,000 | 109,698,000 | 101,179,000 | 104,454,000 |