Call reports 2013
VISIONBANK — 2013
What VISIONBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 143,874,000 | 144,407,000 | 142,163,000 | 146,037,000 |
| Total loans | 121,682,000 | 122,964,000 | 124,610,000 | 129,790,000 |
| Allowance for loan losses | 3,061,000 | 1,381,000 | 1,531,000 | 1,606,000 |
| Securities available for sale | 445,000 | 406,000 | 372,000 | 345,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,386,000 | 124,664,000 | 122,189,000 | 126,077,000 |
| Interest-bearing deposits | 106,609,000 | 106,679,000 | 103,203,000 | 104,203,000 |
| Noninterest-bearing deposits | 17,777,000 | 17,985,000 | 18,986,000 | 21,874,000 |
| Equity capital | 13,798,000 | 14,036,000 | 14,148,000 | 14,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,642,000 | 3,385,000 | 5,003,000 | 6,701,000 |
| Interest expense | 219,000 | 441,000 | 663,000 | 868,000 |
| Net interest income | 1,423,000 | 2,944,000 | 4,340,000 | 5,833,000 |
| Noninterest income | 200,000 | 372,000 | 470,000 | 626,000 |
| Noninterest expense | 1,194,000 | 2,354,000 | 3,517,000 | 4,572,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 279,000 | 662,000 | 843,000 | 1,287,000 |
| Income tax | 106,000 | 249,000 | 316,000 | 473,000 |
| Net income | 173,000 | 413,000 | 527,000 | 814,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,102,000 | 13,347,000 | 13,466,000 | 13,758,000 |
| Total capital | 14,486,000 | 14,728,000 | 14,884,000 | 15,218,000 |
| Risk-weighted assets | 109,056,000 | 111,742,000 | 113,345,000 | 116,668,000 |