Call reports 2021
VISIONBANK — 2021
What VISIONBANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 251,283,000 | 263,666,000 | 264,588,000 | 274,174,000 |
| Total loans | 169,501,000 | 183,484,000 | 177,710,000 | 175,128,000 |
| Allowance for loan losses | 1,942,000 | 1,978,000 | 1,974,000 | 1,997,000 |
| Securities available for sale | 48,000 | 45,000 | 41,000 | 39,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 228,918,000 | 240,777,000 | 240,841,000 | 250,371,000 |
| Interest-bearing deposits | 163,697,000 | 163,840,000 | 165,555,000 | 167,420,000 |
| Noninterest-bearing deposits | 65,221,000 | 76,937,000 | 75,286,000 | 82,951,000 |
| Equity capital | 21,391,000 | 21,851,000 | 22,365,000 | 22,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,201,000 | 4,341,000 | 6,837,000 | 9,027,000 |
| Interest expense | 273,000 | 522,000 | 754,000 | 965,000 |
| Net interest income | 1,928,000 | 3,819,000 | 6,083,000 | 8,062,000 |
| Noninterest income | 437,000 | 1,028,000 | 1,503,000 | 1,921,000 |
| Noninterest expense | 1,812,000 | 3,645,000 | 5,530,000 | 7,359,000 |
| Provision for loan losses | 120,000 | 155,000 | 155,000 | 155,000 |
| Pretax income | 433,000 | 1,046,000 | 1,906,000 | 2,480,000 |
| Income tax | 107,000 | 259,000 | 476,000 | 612,000 |
| Net income | 326,000 | 787,000 | 1,430,000 | 1,868,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,732,000 | 21,193,000 | 21,706,000 | 22,144,000 |
| Total capital | 22,614,000 | 23,171,000 | 23,680,000 | 24,141,000 |
| Risk-weighted assets | 150,547,000 | 171,728,000 | 172,316,000 | 178,403,000 |