Call reports 2012
ENVISION BANK — 2012
What ENVISION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 389,925,000 | 392,950,000 | 386,919,000 | 386,772,000 |
| Total loans | 190,780,000 | 189,011,000 | 187,853,000 | 187,100,000 |
| Allowance for loan losses | 3,878,000 | 3,904,000 | 3,722,000 | 3,530,000 |
| Securities available for sale | 165,091,000 | 174,601,000 | 170,104,000 | 170,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 329,862,000 | 329,585,000 | 326,893,000 | 326,208,000 |
| Interest-bearing deposits | 296,285,000 | 295,169,000 | 292,164,000 | 290,963,000 |
| Noninterest-bearing deposits | 33,577,000 | 34,416,000 | 34,729,000 | 35,245,000 |
| Equity capital | 37,760,000 | 39,939,000 | 41,371,000 | 40,979,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,527,000 | 6,980,000 | 10,304,000 | 13,468,000 |
| Interest expense | 629,000 | 1,213,000 | 1,789,000 | 2,341,000 |
| Net interest income | 2,898,000 | 5,767,000 | 8,515,000 | 11,127,000 |
| Noninterest income | 1,158,000 | 2,422,000 | 4,249,000 | 5,830,000 |
| Noninterest expense | 3,713,000 | 7,383,000 | 11,245,000 | 14,979,000 |
| Provision for loan losses | 25,000 | 45,000 | 135,000 | 390,000 |
| Pretax income | 320,000 | 843,000 | 1,589,000 | 1,994,000 |
| Income tax | 40,000 | 147,000 | 324,000 | 382,000 |
| Net income | 280,000 | 696,000 | 1,265,000 | 1,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,677,000 | 35,105,000 | 35,948,000 | 35,980,000 |
| Total capital | 37,423,000 | 37,808,000 | 38,645,000 | 38,546,000 |
| Risk-weighted assets | 201,233,000 | 197,632,000 | 196,195,000 | 193,695,000 |