Call reports 2010
VISION BANK - TEXAS — 2010
What VISION BANK - TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 87,861,000 | 95,131,000 | 107,639,000 | 107,242,000 |
| Total loans | 47,082,000 | 47,605,000 | 50,129,000 | 55,194,000 |
| Allowance for loan losses | 736,000 | 750,000 | 738,000 | 948,000 |
| Securities available for sale | 17,905,000 | 32,639,000 | 37,004,000 | 41,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,313,000 | 77,236,000 | 89,184,000 | 90,320,000 |
| Interest-bearing deposits | 60,760,000 | 66,176,000 | 76,213,000 | 77,104,000 |
| Noninterest-bearing deposits | 9,553,000 | 11,060,000 | 12,971,000 | 13,216,000 |
| Equity capital | 12,190,000 | 12,459,000 | 12,848,000 | 11,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 955,000 | 1,938,000 | 3,030,000 | 4,202,000 |
| Interest expense | 330,000 | 678,000 | 1,041,000 | 1,411,000 |
| Net interest income | 625,000 | 1,260,000 | 1,989,000 | 2,791,000 |
| Noninterest income | -18,000 | 11,000 | 41,000 | 74,000 |
| Noninterest expense | 725,000 | 1,411,000 | 2,112,000 | 2,899,000 |
| Provision for loan losses | 0 | 0 | 54,000 | 244,000 |
| Pretax income | 20,000 | 39,000 | 103,000 | 144,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 20,000 | 39,000 | 103,000 | 144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,279,000 | 12,303,000 | 12,375,000 | 12,423,000 |
| Total capital | 12,889,000 | 12,954,000 | 13,106,000 | 13,208,000 |
| Risk-weighted assets | 49,242,000 | 52,003,000 | 58,436,000 | 63,399,000 |