Call reports 2009
ENVISION BANK — 2009
What ENVISION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 397,874,000 | 410,968,000 | 403,602,000 | 399,836,000 |
| Total loans | 241,435,000 | 239,737,000 | 231,893,000 | 224,773,000 |
| Allowance for loan losses | 2,428,000 | 2,873,000 | 2,939,000 | 3,747,000 |
| Securities available for sale | 71,419,000 | 91,791,000 | 101,295,000 | 115,539,000 |
| Securities held to maturity | 13,092,000 | 14,064,000 | 14,212,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,211,000 | 354,728,000 | 346,246,000 | 341,548,000 |
| Interest-bearing deposits | 315,774,000 | 330,006,000 | 318,518,000 | 314,204,000 |
| Noninterest-bearing deposits | 25,437,000 | 24,722,000 | 27,728,000 | 27,344,000 |
| Equity capital | 31,856,000 | 32,268,000 | 33,721,000 | 32,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,682,000 | 9,395,000 | 14,071,000 | 18,598,000 |
| Interest expense | 1,705,000 | 3,436,000 | 4,870,000 | 6,108,000 |
| Net interest income | 2,977,000 | 5,959,000 | 9,201,000 | 12,490,000 |
| Noninterest income | 806,000 | 1,661,000 | 2,353,000 | 3,403,000 |
| Noninterest expense | 3,350,000 | 7,066,000 | 10,466,000 | 13,976,000 |
| Provision for loan losses | 60,000 | 570,000 | 670,000 | 2,600,000 |
| Pretax income | 373,000 | -104,000 | -59,000 | -1,674,000 |
| Income tax | 65,000 | -157,000 | -222,000 | -431,000 |
| Net income | 308,000 | 53,000 | 163,000 | -1,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,217,000 | 34,540,000 | 34,781,000 | 33,144,000 |
| Total capital | 37,645,000 | 37,413,000 | 37,720,000 | 36,174,000 |
| Risk-weighted assets | 254,640,000 | 264,501,000 | 247,830,000 | 240,218,000 |