Call reports 2009
VISION BANK - TEXAS — 2009
What VISION BANK - TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 63,157,000 | 65,090,000 | 79,793,000 | 76,177,000 |
| Total loans | 49,937,000 | 51,802,000 | 50,908,000 | 48,751,000 |
| Allowance for loan losses | 540,000 | 611,000 | 643,000 | 708,000 |
| Securities available for sale | 7,919,000 | 7,956,000 | 8,640,000 | 12,653,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,644,000 | 42,947,000 | 60,075,000 | 56,663,000 |
| Interest-bearing deposits | 31,212,000 | 32,218,000 | 48,998,000 | 45,165,000 |
| Noninterest-bearing deposits | 9,432,000 | 10,729,000 | 11,077,000 | 11,498,000 |
| Equity capital | 12,594,000 | 12,218,000 | 12,309,000 | 12,180,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 876,000 | 1,796,000 | 2,760,000 | 3,808,000 |
| Interest expense | 229,000 | 438,000 | 661,000 | 929,000 |
| Net interest income | 647,000 | 1,358,000 | 2,099,000 | 2,879,000 |
| Noninterest income | 22,000 | 42,000 | 65,000 | 93,000 |
| Noninterest expense | 625,000 | 1,237,000 | 1,943,000 | 2,660,000 |
| Provision for loan losses | 38,000 | 2,059,000 | 2,077,000 | 2,121,000 |
| Pretax income | 6,000 | -1,896,000 | -1,790,000 | -1,743,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 6,000 | -1,896,000 | -1,790,000 | -1,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,487,000 | 12,097,000 | 12,201,000 | 12,253,000 |
| Total capital | 13,027,000 | 12,708,000 | 12,844,000 | 12,881,000 |
| Risk-weighted assets | 49,398,000 | 52,543,000 | 56,137,000 | 49,387,000 |