Call reports 2012
VISIONBANK — 2012
What VISIONBANK 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 | 135,385,000 | 134,631,000 | 134,052,000 | 144,968,000 |
| Total loans | 108,513,000 | 112,641,000 | 118,003,000 | 122,622,000 |
| Allowance for loan losses | 2,400,000 | 2,550,000 | 2,704,000 | 2,855,000 |
| Securities available for sale | 0 | 542,000 | 517,000 | 473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,716,000 | 115,525,000 | 114,341,000 | 125,528,000 |
| Interest-bearing deposits | 99,871,000 | 98,748,000 | 99,944,000 | 103,185,000 |
| Noninterest-bearing deposits | 13,845,000 | 16,777,000 | 14,397,000 | 22,343,000 |
| Equity capital | 12,890,000 | 13,046,000 | 13,346,000 | 13,625,000 |
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 | 1,652,000 | 3,224,000 | 4,896,000 | 6,589,000 |
| Interest expense | 324,000 | 627,000 | 879,000 | 1,111,000 |
| Net interest income | 1,328,000 | 2,597,000 | 4,017,000 | 5,478,000 |
| Noninterest income | 257,000 | 456,000 | 757,000 | 956,000 |
| Noninterest expense | 1,099,000 | 2,170,000 | 3,279,000 | 4,359,000 |
| Provision for loan losses | 0 | 150,000 | 300,000 | 450,000 |
| Pretax income | 486,000 | 733,000 | 1,195,000 | 1,625,000 |
| Income tax | 193,000 | 281,000 | 446,000 | 598,000 |
| Net income | 293,000 | 452,000 | 749,000 | 1,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,174,000 | 12,339,000 | 12,641,000 | 12,923,000 |
| Total capital | 13,454,000 | 13,661,000 | 14,006,000 | 14,327,000 |
| Risk-weighted assets | 101,294,000 | 104,493,000 | 107,890,000 | 110,876,000 |