Call reports 2015
VISIONBANK — 2015
What VISIONBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 152,318,000 | 156,918,000 | 157,295,000 | 157,928,000 |
| Total loans | 134,441,000 | 139,934,000 | 145,585,000 | 147,720,000 |
| Allowance for loan losses | 2,097,000 | 2,129,000 | 2,152,000 | 2,222,000 |
| Securities available for sale | 234,000 | 221,000 | 205,000 | 189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,680,000 | 134,677,000 | 139,628,000 | 140,012,000 |
| Interest-bearing deposits | 107,029,000 | 109,363,000 | 114,378,000 | 115,266,000 |
| Noninterest-bearing deposits | 23,651,000 | 25,314,000 | 25,250,000 | 24,746,000 |
| Equity capital | 15,759,000 | 16,081,000 | 16,424,000 | 16,828,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,704,000 | 3,424,000 | 5,265,000 | 7,141,000 |
| Interest expense | 173,000 | 357,000 | 537,000 | 679,000 |
| Net interest income | 1,531,000 | 3,067,000 | 4,728,000 | 6,462,000 |
| Noninterest income | 507,000 | 817,000 | 1,037,000 | 1,248,000 |
| Noninterest expense | 1,319,000 | 2,626,000 | 3,943,000 | 5,170,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 143,000 |
| Pretax income | 696,000 | 1,213,000 | 1,754,000 | 2,397,000 |
| Income tax | 260,000 | 453,000 | 651,000 | 891,000 |
| Net income | 436,000 | 760,000 | 1,103,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,106,000 | 15,427,000 | 15,770,000 | 16,174,000 |
| Total capital | 16,659,000 | 17,062,000 | 17,549,000 | 17,930,000 |
| Risk-weighted assets | 124,231,000 | 130,332,000 | 141,971,000 | 140,081,000 |