Call reports 2010
ENVISION BANK — 2010
What ENVISION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 373,060,000 | 376,428,000 | 383,464,000 | 381,206,000 |
| Total loans | 219,619,000 | 213,627,000 | 207,588,000 | 199,086,000 |
| Allowance for loan losses | 3,888,000 | 4,030,000 | 3,793,000 | 3,962,000 |
| Securities available for sale | 108,390,000 | 113,098,000 | 123,367,000 | 131,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,014,000 | 320,829,000 | 327,482,000 | 326,853,000 |
| Interest-bearing deposits | 289,727,000 | 291,574,000 | 300,054,000 | 298,533,000 |
| Noninterest-bearing deposits | 28,287,000 | 29,255,000 | 27,428,000 | 28,320,000 |
| Equity capital | 33,461,000 | 34,387,000 | 34,841,000 | 34,046,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,239,000 | 8,341,000 | 12,327,000 | 16,205,000 |
| Interest expense | 853,000 | 1,626,000 | 2,475,000 | 3,321,000 |
| Net interest income | 3,386,000 | 6,715,000 | 9,852,000 | 12,884,000 |
| Noninterest income | 770,000 | 1,654,000 | 2,689,000 | 3,943,000 |
| Noninterest expense | 3,258,000 | 6,816,000 | 10,350,000 | 13,967,000 |
| Provision for loan losses | 488,000 | 688,000 | 1,162,000 | 1,338,000 |
| Pretax income | 559,000 | 1,104,000 | 1,268,000 | 1,771,000 |
| Income tax | 125,000 | 252,000 | 241,000 | -71,000 |
| Net income | 434,000 | 852,000 | 1,027,000 | 1,842,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,330,000 | 34,001,000 | 34,380,000 | 34,162,000 |
| Total capital | 36,238,000 | 36,811,000 | 37,136,000 | 36,828,000 |
| Risk-weighted assets | 229,361,000 | 223,504,000 | 219,429,000 | 212,002,000 |