Call reports 2015
ENVISION BANK — 2015
What ENVISION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 368,317,000 | 385,220,000 | 385,874,000 | 383,282,000 |
| Total loans | 262,762,000 | 283,612,000 | 288,671,000 | 291,260,000 |
| Allowance for loan losses | 3,537,000 | 3,652,000 | 3,457,000 | 3,239,000 |
| Securities available for sale | 77,010,000 | 73,940,000 | 69,645,000 | 62,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 308,977,000 | 309,216,000 | 304,009,000 | 311,466,000 |
| Interest-bearing deposits | 266,593,000 | 267,660,000 | 262,524,000 | 268,004,000 |
| Noninterest-bearing deposits | 42,384,000 | 41,556,000 | 41,485,000 | 43,462,000 |
| Equity capital | 33,633,000 | 32,804,000 | 33,346,000 | 32,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,972,000 | 6,041,000 | 9,315,000 | 12,493,000 |
| Interest expense | 316,000 | 644,000 | 986,000 | 1,356,000 |
| Net interest income | 2,656,000 | 5,397,000 | 8,329,000 | 11,137,000 |
| Noninterest income | 1,002,000 | 2,027,000 | 3,451,000 | 5,069,000 |
| Noninterest expense | 3,938,000 | 7,952,000 | 12,840,000 | 17,197,000 |
| Provision for loan losses | 0 | 125,000 | -28,000 | -137,000 |
| Pretax income | -287,000 | -660,000 | -1,016,000 | -861,000 |
| Income tax | -3,000 | -4,000 | -5,000 | -108,000 |
| Net income | -284,000 | -656,000 | -1,011,000 | -753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,568,000 | 32,195,000 | 31,839,000 | 32,098,000 |
| Total capital | 35,377,000 | 35,221,000 | 34,991,000 | 35,142,000 |
| Risk-weighted assets | 223,681,000 | 239,162,000 | 247,265,000 | 243,314,000 |