Call reports 2011
VISIONBANK — 2011
What VISIONBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 136,186,000 | 136,405,000 | 136,513,000 | 140,214,000 |
| Total loans | 108,544,000 | 107,898,000 | 105,089,000 | 105,500,000 |
| Allowance for loan losses | 1,705,000 | 1,457,000 | 2,050,000 | 2,049,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,070,000 | 115,130,000 | 115,411,000 | 118,793,000 |
| Interest-bearing deposits | 104,481,000 | 98,900,000 | 100,242,000 | 99,902,000 |
| Noninterest-bearing deposits | 10,589,000 | 16,230,000 | 15,169,000 | 18,891,000 |
| Equity capital | 12,471,000 | 12,536,000 | 12,344,000 | 12,597,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,586,000 | 3,201,000 | 4,740,000 | 6,321,000 |
| Interest expense | 430,000 | 832,000 | 1,218,000 | 1,578,000 |
| Net interest income | 1,156,000 | 2,369,000 | 3,522,000 | 4,743,000 |
| Noninterest income | 150,000 | 274,000 | 448,000 | 629,000 |
| Noninterest expense | 1,024,000 | 2,029,000 | 3,029,000 | 4,027,000 |
| Provision for loan losses | 225,000 | 450,000 | 1,073,000 | 1,073,000 |
| Pretax income | 57,000 | 164,000 | -132,000 | 272,000 |
| Income tax | 20,000 | 62,000 | -41,000 | 109,000 |
| Net income | 37,000 | 102,000 | -91,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,734,000 | 11,804,000 | 11,618,000 | 11,876,000 |
| Total capital | 13,002,000 | 13,054,000 | 12,840,000 | 13,133,000 |
| Risk-weighted assets | 100,991,000 | 99,819,000 | 96,880,000 | 99,817,000 |