Call reports 2023
VISIONBANK — 2023
What VISIONBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 255,799,000 | 258,478,000 | 268,128,000 | 264,749,000 |
| Total loans | 195,921,000 | 200,923,000 | 208,557,000 | 209,815,000 |
| Allowance for loan losses | 2,025,000 | 2,094,000 | 2,091,000 | 2,088,000 |
| Securities available for sale | 49,341,000 | 46,296,000 | 45,446,000 | 44,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 231,228,000 | 227,673,000 | 224,896,000 | 235,101,000 |
| Interest-bearing deposits | 164,307,000 | 159,107,000 | 156,569,000 | 174,463,000 |
| Noninterest-bearing deposits | 66,921,000 | 68,566,000 | 68,327,000 | 60,638,000 |
| Equity capital | 23,172,000 | 22,913,000 | 23,165,000 | 24,274,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,873,000 | 5,975,000 | 9,432,000 | 13,036,000 |
| Interest expense | 717,000 | 1,602,000 | 2,719,000 | 4,078,000 |
| Net interest income | 2,156,000 | 4,373,000 | 6,713,000 | 8,958,000 |
| Noninterest income | 223,000 | 516,000 | 843,000 | 1,360,000 |
| Noninterest expense | 1,960,000 | 3,926,000 | 5,849,000 | 7,776,000 |
| Provision for loan losses | 0 | 60,000 | 60,000 | 60,000 |
| Pretax income | 429,000 | 919,000 | 1,269,000 | 2,121,000 |
| Income tax | 92,000 | 200,000 | 281,000 | 490,000 |
| Net income | 337,000 | 719,000 | 988,000 | 1,631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,376,000 | 23,758,000 | 24,028,000 | 24,670,000 |
| Total capital | 25,442,000 | 25,885,000 | 26,158,000 | 26,802,000 |
| Risk-weighted assets | 203,765,000 | 206,870,000 | 213,260,000 | 211,732,000 |