Call reports 2019
VISIONBANK — 2019
What VISIONBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 194,161,000 | 197,095,000 | 197,573,000 | 200,905,000 |
| Total loans | 178,238,000 | 179,646,000 | 180,592,000 | 177,635,000 |
| Allowance for loan losses | 2,343,000 | 1,655,000 | 1,760,000 | 1,474,000 |
| Securities available for sale | 95,000 | 90,000 | 84,000 | 75,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,439,000 | 175,608,000 | 175,419,000 | 178,630,000 |
| Interest-bearing deposits | 139,226,000 | 141,752,000 | 135,615,000 | 136,634,000 |
| Noninterest-bearing deposits | 29,213,000 | 33,856,000 | 39,804,000 | 41,996,000 |
| Equity capital | 20,039,000 | 20,271,000 | 20,649,000 | 21,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,253,000 | 4,639,000 | 7,087,000 | 9,523,000 |
| Interest expense | 438,000 | 919,000 | 1,420,000 | 1,913,000 |
| Net interest income | 1,815,000 | 3,720,000 | 5,667,000 | 7,610,000 |
| Noninterest income | 253,000 | 516,000 | 868,000 | 1,390,000 |
| Noninterest expense | 1,666,000 | 3,366,000 | 5,072,000 | 6,689,000 |
| Provision for loan losses | 80,000 | 240,000 | 330,000 | 682,000 |
| Pretax income | 322,000 | 630,000 | 1,133,000 | 1,629,000 |
| Income tax | 79,000 | 156,000 | 280,000 | 404,000 |
| Net income | 243,000 | 474,000 | 853,000 | 1,225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,383,000 | 19,614,000 | 19,992,000 | 20,364,000 |
| Total capital | 21,573,000 | 21,269,000 | 21,752,000 | 21,838,000 |
| Risk-weighted assets | 175,083,000 | 176,868,000 | 172,967,000 | 171,190,000 |