Call reports 2017
VISIONBANK — 2017
What VISIONBANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 173,004,000 | 179,178,000 | 177,950,000 | 184,266,000 |
| Total loans | 156,785,000 | 163,244,000 | 159,465,000 | 163,506,000 |
| Allowance for loan losses | 2,150,000 | 2,251,000 | 2,335,000 | 2,097,000 |
| Securities available for sale | 147,000 | 138,000 | 133,000 | 126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,301,000 | 157,263,000 | 158,080,000 | 164,234,000 |
| Interest-bearing deposits | 124,232,000 | 127,693,000 | 129,447,000 | 127,508,000 |
| Noninterest-bearing deposits | 26,069,000 | 29,570,000 | 28,633,000 | 36,726,000 |
| Equity capital | 18,256,000 | 18,473,000 | 18,692,000 | 19,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,938,000 | 3,878,000 | 5,866,000 | 7,887,000 |
| Interest expense | 208,000 | 426,000 | 661,000 | 902,000 |
| Net interest income | 1,730,000 | 3,452,000 | 5,205,000 | 6,985,000 |
| Noninterest income | 206,000 | 455,000 | 685,000 | 974,000 |
| Noninterest expense | 1,511,000 | 3,061,000 | 4,622,000 | 6,004,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 343,000 |
| Pretax income | 350,000 | 696,000 | 1,043,000 | 1,612,000 |
| Income tax | 132,000 | 262,000 | 391,000 | 564,000 |
| Net income | 218,000 | 434,000 | 652,000 | 1,048,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 17,817,000 | 18,035,000 | 18,431,000 |
| Total capital | 19,536,000 | 19,804,000 | 19,955,000 | 20,453,000 |
| Risk-weighted assets | 154,583,000 | 158,661,000 | 153,201,000 | 161,698,000 |