Call reports 2016
ENVISION BANK — 2016
What ENVISION BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 390,296,000 | 456,278,000 | 489,854,000 | 481,161,000 |
| Total loans | 300,513,000 | 303,680,000 | 359,707,000 | 366,715,000 |
| Allowance for loan losses | 3,285,000 | 3,259,000 | 3,096,000 | 3,271,000 |
| Securities available for sale | 60,736,000 | 55,253,000 | 70,876,000 | 68,637,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 323,640,000 | 393,979,000 | 369,528,000 | 361,884,000 |
| Interest-bearing deposits | 276,646,000 | 274,884,000 | 293,092,000 | 293,239,000 |
| Noninterest-bearing deposits | 46,994,000 | 119,095,000 | 76,436,000 | 68,645,000 |
| Equity capital | 33,126,000 | 34,075,000 | 72,837,000 | 70,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,154,000 | 6,416,000 | 10,291,000 | 14,215,000 |
| Interest expense | 374,000 | 762,000 | 1,218,000 | 1,606,000 |
| Net interest income | 2,780,000 | 5,654,000 | 9,073,000 | 12,609,000 |
| Noninterest income | 1,261,000 | 3,345,000 | 10,587,000 | 14,869,000 |
| Noninterest expense | 4,035,000 | 8,276,000 | 16,603,000 | 24,726,000 |
| Provision for loan losses | 63,000 | 63,000 | -98,000 | 103,000 |
| Pretax income | 5,000 | 722,000 | 3,316,000 | 2,810,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 13,000 |
| Net income | 2,000 | 719,000 | 3,313,000 | 2,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,103,000 | 32,821,000 | 70,558,000 | 70,720,000 |
| Total capital | 35,253,000 | 36,025,000 | 73,657,000 | 73,991,000 |
| Risk-weighted assets | 251,615,000 | 255,986,000 | 283,573,000 | 297,028,000 |