Call reports 2008
VISION BANK - TEXAS — 2008
What VISION BANK - TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 45,414,000 | 56,465,000 | 64,411,000 | 61,743,000 |
| Total loans | 33,116,000 | 40,210,000 | 48,434,000 | 50,555,000 |
| Allowance for loan losses | 415,000 | 478,000 | 486,000 | 507,000 |
| Securities available for sale | 9,334,000 | 8,865,000 | 8,767,000 | 8,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,239,000 | 36,373,000 | 44,113,000 | 40,177,000 |
| Interest-bearing deposits | 20,621,000 | 27,256,000 | 34,942,000 | 32,299,000 |
| Noninterest-bearing deposits | 4,618,000 | 9,117,000 | 9,171,000 | 7,879,000 |
| Equity capital | 12,309,000 | 12,179,000 | 12,320,000 | 12,495,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 766,000 | 1,567,000 | 2,469,000 | 3,445,000 |
| Interest expense | 223,000 | 483,000 | 769,000 | 1,056,000 |
| Net interest income | 543,000 | 1,084,000 | 1,700,000 | 2,389,000 |
| Noninterest income | 6,000 | 20,000 | 45,000 | 74,000 |
| Noninterest expense | 510,000 | 1,043,000 | 1,594,000 | 2,219,000 |
| Provision for loan losses | 92,000 | 155,000 | 163,000 | 184,000 |
| Pretax income | -53,000 | -94,000 | -12,000 | 73,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -53,000 | -94,000 | -12,000 | 73,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,258,000 | 12,239,000 | 12,345,000 | 12,453,000 |
| Total capital | 12,673,000 | 12,717,000 | 12,831,000 | 12,960,000 |
| Risk-weighted assets | 33,931,000 | 42,139,000 | 50,012,000 | 50,489,000 |