Call reports 2008
ENVISION BANK — 2008
What ENVISION BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 364,825,000 | 362,483,000 | 354,621,000 | 357,839,000 |
| Total loans | 231,516,000 | 229,816,000 | 238,006,000 | 248,204,000 |
| Allowance for loan losses | 2,243,000 | 2,239,000 | 2,237,000 | 2,267,000 |
| Securities available for sale | 69,946,000 | 71,195,000 | 66,508,000 | 63,976,000 |
| Securities held to maturity | 11,434,000 | 12,538,000 | 13,009,000 | 13,001,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 316,665,000 | 314,953,000 | 309,619,000 | 312,445,000 |
| Interest-bearing deposits | 291,057,000 | 287,549,000 | 286,059,000 | 286,193,000 |
| Noninterest-bearing deposits | 25,608,000 | 27,404,000 | 23,560,000 | 26,252,000 |
| Equity capital | 35,223,000 | 34,655,000 | 31,894,000 | 33,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,814,000 | 9,392,000 | 14,048,000 | 18,774,000 |
| Interest expense | 2,260,000 | 4,237,000 | 5,943,000 | 7,615,000 |
| Net interest income | 2,554,000 | 5,155,000 | 8,105,000 | 11,159,000 |
| Noninterest income | 586,000 | 1,194,000 | 1,791,000 | 2,504,000 |
| Noninterest expense | 2,788,000 | 5,736,000 | 8,696,000 | 12,164,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 352,000 | 635,000 | -1,568,000 | -1,309,000 |
| Income tax | 71,000 | 98,000 | 182,000 | -429,000 |
| Net income | 281,000 | 537,000 | -1,750,000 | -880,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,038,000 | 36,105,000 | 34,019,000 | 35,162,000 |
| Total capital | 38,281,000 | 38,344,000 | 36,256,000 | 37,429,000 |
| Risk-weighted assets | 226,693,000 | 229,136,000 | 235,585,000 | 245,369,000 |