Call reports 2014
ENVISION BANK — 2014
What ENVISION BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 345,152,000 | 350,303,000 | 350,638,000 | 359,621,000 |
| Total loans | 215,575,000 | 222,679,000 | 238,785,000 | 254,893,000 |
| Allowance for loan losses | 3,829,000 | 3,541,000 | 3,531,000 | 3,543,000 |
| Securities available for sale | 83,172,000 | 96,432,000 | 83,861,000 | 77,873,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,011,000 | 286,814,000 | 283,226,000 | 297,346,000 |
| Interest-bearing deposits | 255,238,000 | 249,126,000 | 243,549,000 | 258,512,000 |
| Noninterest-bearing deposits | 39,773,000 | 37,688,000 | 39,677,000 | 38,834,000 |
| Equity capital | 36,066,000 | 36,898,000 | 36,841,000 | 33,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,792,000 | 5,602,000 | 8,667,000 | 11,857,000 |
| Interest expense | 400,000 | 717,000 | 1,008,000 | 1,302,000 |
| Net interest income | 2,392,000 | 4,885,000 | 7,659,000 | 10,555,000 |
| Noninterest income | 1,621,000 | 2,567,000 | 3,559,000 | 4,653,000 |
| Noninterest expense | 3,639,000 | 7,141,000 | 10,658,000 | 14,946,000 |
| Provision for loan losses | 35,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 583,000 | 760,000 | 1,180,000 | 922,000 |
| Income tax | 152,000 | 139,000 | 231,000 | 3,089,000 |
| Net income | 431,000 | 621,000 | 949,000 | -2,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,477,000 | 32,823,000 | 33,157,000 | 32,726,000 |
| Total capital | 35,399,000 | 35,559,000 | 35,777,000 | 35,379,000 |
| Risk-weighted assets | 210,636,000 | 198,432,000 | 202,527,000 | 210,309,000 |