Call reports 2012
VISION BANK - TEXAS — 2012
What VISION BANK - TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 138,136,000 | 145,204,000 | 151,106,000 | 176,265,000 |
| Total loans | 74,413,000 | 90,628,000 | 88,210,000 | 89,934,000 |
| Allowance for loan losses | 1,187,000 | 1,435,000 | 1,262,000 | 1,269,000 |
| Securities available for sale | 49,226,000 | 31,965,000 | 36,093,000 | 28,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,680,000 | 130,827,000 | 136,252,000 | 162,356,000 |
| Interest-bearing deposits | 105,608,000 | 111,722,000 | 114,532,000 | 118,088,000 |
| Noninterest-bearing deposits | 19,072,000 | 19,105,000 | 21,719,000 | 44,268,000 |
| Equity capital | 13,277,000 | 14,184,000 | 14,567,000 | 13,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,355,000 | 2,808,000 | 4,262,000 | 5,740,000 |
| Interest expense | 312,000 | 628,000 | 964,000 | 1,286,000 |
| Net interest income | 1,043,000 | 2,180,000 | 3,298,000 | 4,454,000 |
| Noninterest income | 53,000 | 103,000 | 152,000 | 208,000 |
| Noninterest expense | 893,000 | 1,758,000 | 2,619,000 | 3,598,000 |
| Provision for loan losses | 22,000 | 270,000 | 244,000 | 248,000 |
| Pretax income | 251,000 | 633,000 | 965,000 | 1,217,000 |
| Income tax | 0 | -600,000 | -497,000 | -427,000 |
| Net income | 251,000 | 1,233,000 | 1,462,000 | 1,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,259,000 | 14,030,000 | 14,435,000 | 13,746,000 |
| Total capital | 14,356,000 | 15,300,000 | 15,679,000 | 15,014,000 |
| Risk-weighted assets | 87,753,000 | 101,852,000 | 99,518,000 | 101,476,000 |