Call reports 2014
VISIONBANK — 2014
What VISIONBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 148,113,000 | 165,100,000 | 148,938,000 | 149,169,000 |
| Total loans | 131,181,000 | 131,705,000 | 131,428,000 | 135,081,000 |
| Allowance for loan losses | 1,729,000 | 1,882,000 | 2,028,000 | 2,077,000 |
| Securities available for sale | 327,000 | 291,000 | 262,000 | 244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,745,000 | 144,327,000 | 127,841,000 | 127,808,000 |
| Interest-bearing deposits | 108,784,000 | 103,093,000 | 101,656,000 | 101,248,000 |
| Noninterest-bearing deposits | 18,961,000 | 41,234,000 | 26,185,000 | 26,560,000 |
| Equity capital | 14,609,000 | 14,776,000 | 14,975,000 | 15,321,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,682,000 | 3,338,000 | 5,033,000 | 6,761,000 |
| Interest expense | 196,000 | 391,000 | 583,000 | 762,000 |
| Net interest income | 1,486,000 | 2,947,000 | 4,450,000 | 5,999,000 |
| Noninterest income | 133,000 | 298,000 | 484,000 | 651,000 |
| Noninterest expense | 1,191,000 | 2,391,000 | 3,617,000 | 4,683,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 550,000 |
| Pretax income | 278,000 | 554,000 | 867,000 | 1,417,000 |
| Income tax | 104,000 | 211,000 | 323,000 | 528,000 |
| Net income | 174,000 | 343,000 | 544,000 | 889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,937,000 | 14,111,000 | 14,318,000 | 14,668,000 |
| Total capital | 15,448,000 | 15,611,000 | 15,813,000 | 16,217,000 |
| Risk-weighted assets | 120,708,000 | 119,636,000 | 119,064,000 | 123,360,000 |