Call reports 2016
VISIONBANK — 2016
What VISIONBANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 162,817,000 | 160,235,000 | 165,139,000 | 169,240,000 |
| Total loans | 150,132,000 | 151,426,000 | 150,020,000 | 155,339,000 |
| Allowance for loan losses | 2,282,000 | 2,115,000 | 2,026,000 | 2,074,000 |
| Securities available for sale | 182,000 | 173,000 | 162,000 | 153,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,938,000 | 139,904,000 | 146,267,000 | 149,642,000 |
| Interest-bearing deposits | 120,896,000 | 111,891,000 | 119,376,000 | 123,485,000 |
| Noninterest-bearing deposits | 24,042,000 | 28,013,000 | 26,891,000 | 26,157,000 |
| Equity capital | 17,101,000 | 17,342,000 | 17,655,000 | 18,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,858,000 | 3,577,000 | 5,439,000 | 7,315,000 |
| Interest expense | 155,000 | 312,000 | 489,000 | 682,000 |
| Net interest income | 1,703,000 | 3,265,000 | 4,950,000 | 6,633,000 |
| Noninterest income | 222,000 | 480,000 | 776,000 | 1,050,000 |
| Noninterest expense | 1,427,000 | 2,802,000 | 4,225,000 | 5,533,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 220,000 |
| Pretax income | 438,000 | 823,000 | 1,321,000 | 1,930,000 |
| Income tax | 163,000 | 309,000 | 494,000 | 720,000 |
| Net income | 275,000 | 514,000 | 827,000 | 1,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,448,000 | 16,688,000 | 17,000,000 | 17,383,000 |
| Total capital | 18,242,000 | 18,472,000 | 18,793,000 | 19,253,000 |
| Risk-weighted assets | 143,019,000 | 142,430,000 | 143,241,000 | 149,409,000 |