Call reports 2022
VISIONBANK — 2022
What VISIONBANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 268,985,000 | 270,293,000 | 254,154,000 | 252,801,000 |
| Total loans | 168,753,000 | 175,557,000 | 185,481,000 | 192,158,000 |
| Allowance for loan losses | 1,998,000 | 1,859,000 | 1,982,000 | 1,983,000 |
| Securities available for sale | 38,000 | 34,881,000 | 48,480,000 | 48,730,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 245,245,000 | 246,057,000 | 230,566,000 | 228,733,000 |
| Interest-bearing deposits | 165,130,000 | 167,567,000 | 158,618,000 | 159,637,000 |
| Noninterest-bearing deposits | 80,115,000 | 78,490,000 | 71,948,000 | 69,096,000 |
| Equity capital | 22,936,000 | 23,199,000 | 22,295,000 | 22,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,974,000 | 4,260,000 | 7,100,000 | 10,013,000 |
| Interest expense | 194,000 | 381,000 | 635,000 | 1,051,000 |
| Net interest income | 1,780,000 | 3,879,000 | 6,465,000 | 8,962,000 |
| Noninterest income | 254,000 | 565,000 | 991,000 | 1,221,000 |
| Noninterest expense | 1,848,000 | 3,727,000 | 5,672,000 | 7,540,000 |
| Provision for loan losses | 0 | 12,000 | 132,000 | 132,000 |
| Pretax income | 178,000 | 692,000 | 1,640,000 | 2,505,000 |
| Income tax | 45,000 | 173,000 | 397,000 | 590,000 |
| Net income | 133,000 | 519,000 | 1,243,000 | 1,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,277,000 | 22,664,000 | 23,013,000 | 23,686,000 |
| Total capital | 24,275,000 | 24,524,000 | 24,995,000 | 25,669,000 |
| Risk-weighted assets | 172,002,000 | 188,274,000 | 204,636,000 | 203,724,000 |