Call reports 2013
ENVISION BANK — 2013
What ENVISION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 392,472,000 | 390,672,000 | 382,070,000 | 374,027,000 |
| Total loans | 194,589,000 | 204,694,000 | 201,441,000 | 209,529,000 |
| Allowance for loan losses | 3,577,000 | 3,601,000 | 3,590,000 | 3,829,000 |
| Securities available for sale | 170,944,000 | 156,866,000 | 145,062,000 | 97,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,547,000 | 330,032,000 | 329,737,000 | 323,638,000 |
| Interest-bearing deposits | 293,868,000 | 291,242,000 | 290,097,000 | 286,392,000 |
| Noninterest-bearing deposits | 36,679,000 | 38,790,000 | 39,640,000 | 37,246,000 |
| Equity capital | 40,884,000 | 37,016,000 | 36,197,000 | 35,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,982,000 | 5,969,000 | 8,864,000 | 11,779,000 |
| Interest expense | 518,000 | 1,014,000 | 1,498,000 | 1,967,000 |
| Net interest income | 2,464,000 | 4,955,000 | 7,366,000 | 9,812,000 |
| Noninterest income | 1,347,000 | 2,708,000 | 3,811,000 | 4,627,000 |
| Noninterest expense | 3,637,000 | 8,145,000 | 12,105,000 | 16,971,000 |
| Provision for loan losses | 35,000 | 1,135,000 | 1,611,000 | 1,911,000 |
| Pretax income | 316,000 | -1,374,000 | -2,433,000 | -4,404,000 |
| Income tax | 35,000 | -614,000 | -1,046,000 | -1,785,000 |
| Net income | 281,000 | -760,000 | -1,387,000 | -2,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,370,000 | 35,032,000 | 33,320,000 | 32,196,000 |
| Total capital | 39,018,000 | 37,769,000 | 36,040,000 | 35,023,000 |
| Risk-weighted assets | 195,030,000 | 201,131,000 | 196,206,000 | 194,589,000 |