Call reports 2024
VISIONBANK — 2024
What VISIONBANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 266,159,000 | 266,317,000 | 275,125,000 | 279,942,000 |
| Total loans | 209,617,000 | 213,238,000 | 216,018,000 | 231,622,000 |
| Allowance for loan losses | 2,089,000 | 2,100,000 | 2,340,000 | 2,500,000 |
| Securities available for sale | 44,311,000 | 43,274,000 | 40,908,000 | 36,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 239,898,000 | 233,355,000 | 244,926,000 | 251,350,000 |
| Interest-bearing deposits | 180,445,000 | 178,324,000 | 184,958,000 | 191,562,000 |
| Noninterest-bearing deposits | 59,453,000 | 55,031,000 | 59,968,000 | 59,788,000 |
| Equity capital | 24,030,000 | 24,529,000 | 25,336,000 | 25,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,606,000 | 7,260,000 | 11,104,000 | 15,273,000 |
| Interest expense | 1,452,000 | 2,960,000 | 4,560,000 | 6,337,000 |
| Net interest income | 2,154,000 | 4,300,000 | 6,544,000 | 8,936,000 |
| Noninterest income | 219,000 | 507,000 | 833,000 | 1,145,000 |
| Noninterest expense | 1,967,000 | 3,866,000 | 5,876,000 | 7,944,000 |
| Provision for loan losses | 0 | 10,000 | 266,000 | 411,000 |
| Pretax income | 409,000 | 926,000 | 1,233,000 | 1,729,000 |
| Income tax | 100,000 | 225,000 | 300,000 | 420,000 |
| Net income | 309,000 | 701,000 | 933,000 | 1,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,405,000 | 24,796,000 | 25,028,000 | 25,404,000 |
| Total capital | 26,538,000 | 26,940,000 | 27,412,000 | 27,948,000 |
| Risk-weighted assets | 209,729,000 | 213,852,000 | 216,607,000 | 230,719,000 |