Call reports 2020
ENVISION BANK — 2020
What ENVISION BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 653,134,000 | 725,374,000 | 725,171,000 | 722,995,000 |
| Total loans | 540,004,000 | 558,670,000 | 578,950,000 | 609,540,000 |
| Allowance for loan losses | 4,996,000 | 6,059,000 | 6,597,000 | 6,784,000 |
| Securities available for sale | 55,465,000 | 54,462,000 | 55,551,000 | 55,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,670,000 | 545,127,000 | 529,731,000 | 538,852,000 |
| Interest-bearing deposits | 442,076,000 | 451,776,000 | 430,893,000 | 433,914,000 |
| Noninterest-bearing deposits | 67,594,000 | 93,351,000 | 98,838,000 | 104,938,000 |
| Equity capital | 74,562,000 | 80,155,000 | 85,561,000 | 90,958,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,053,000 | 12,112,000 | 17,760,000 | 23,590,000 |
| Interest expense | 1,628,000 | 2,955,000 | 3,933,000 | 4,721,000 |
| Net interest income | 4,425,000 | 9,157,000 | 13,827,000 | 18,869,000 |
| Noninterest income | 6,451,000 | 19,951,000 | 39,824,000 | 55,412,000 |
| Noninterest expense | 10,959,000 | 22,323,000 | 33,394,000 | 46,346,000 |
| Provision for loan losses | 724,000 | 1,792,000 | 2,338,000 | 2,552,000 |
| Pretax income | -807,000 | 4,993,000 | 17,919,000 | 25,383,000 |
| Income tax | 11,000 | 605,000 | 3,266,000 | 5,470,000 |
| Net income | -818,000 | 4,388,000 | 14,653,000 | 19,913,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,494,000 | 78,936,000 | 84,461,000 | 90,037,000 |
| Total capital | 78,490,000 | 84,995,000 | 91,058,000 | 97,406,000 |
| Risk-weighted assets | 534,783,000 | 550,550,000 | 582,843,000 | 621,021,000 |