Call reports 2018
VISIONBANK — 2018
What VISIONBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 182,189,000 | 187,698,000 | 194,272,000 | 195,536,000 |
| Total loans | 165,872,000 | 171,579,000 | 177,957,000 | 179,512,000 |
| Allowance for loan losses | 2,172,000 | 2,255,000 | 2,267,000 | 2,272,000 |
| Securities available for sale | 119,000 | 111,000 | 105,000 | 100,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,619,000 | 158,089,000 | 168,632,000 | 165,701,000 |
| Interest-bearing deposits | 123,079,000 | 124,317,000 | 132,752,000 | 131,894,000 |
| Noninterest-bearing deposits | 31,541,000 | 33,772,000 | 35,880,000 | 33,807,000 |
| Equity capital | 19,290,000 | 18,974,000 | 19,329,000 | 19,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,992,000 | 4,094,000 | 6,324,000 | 8,627,000 |
| Interest expense | 240,000 | 505,000 | 803,000 | 1,200,000 |
| Net interest income | 1,752,000 | 3,589,000 | 5,521,000 | 7,427,000 |
| Noninterest income | 193,000 | 359,000 | 620,000 | 937,000 |
| Noninterest expense | 1,602,000 | 3,199,000 | 4,873,000 | 6,401,000 |
| Provision for loan losses | 75,000 | 150,000 | 200,000 | 275,000 |
| Pretax income | 268,000 | 599,000 | 1,068,000 | 1,688,000 |
| Income tax | 65,000 | 182,000 | 296,000 | 449,000 |
| Net income | 203,000 | 417,000 | 772,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,634,000 | 18,318,000 | 18,673,000 | 19,140,000 |
| Total capital | 20,678,000 | 20,411,000 | 20,844,000 | 21,344,000 |
| Risk-weighted assets | 163,376,000 | 167,282,000 | 173,620,000 | 176,273,000 |