Call reports 2013
VISION BANK - TEXAS — 2013
What VISION BANK - TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 173,581,000 | 162,337,000 | 167,831,000 | 178,903,000 |
| Total loans | 93,698,000 | 96,877,000 | 104,076,000 | 108,334,000 |
| Allowance for loan losses | 1,308,000 | 1,232,000 | 1,346,000 | 1,397,000 |
| Securities available for sale | 39,619,000 | 37,236,000 | 38,024,000 | 37,032,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,586,000 | 146,149,000 | 151,707,000 | 162,907,000 |
| Interest-bearing deposits | 127,168,000 | 119,438,000 | 126,274,000 | 135,152,000 |
| Noninterest-bearing deposits | 32,419,000 | 26,711,000 | 25,434,000 | 27,754,000 |
| Equity capital | 13,816,000 | 15,951,000 | 15,849,000 | 15,863,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,434,000 | 2,998,000 | 4,619,000 | 6,311,000 |
| Interest expense | 284,000 | 570,000 | 869,000 | 1,180,000 |
| Net interest income | 1,150,000 | 2,428,000 | 3,750,000 | 5,131,000 |
| Noninterest income | 105,000 | 178,000 | 264,000 | 347,000 |
| Noninterest expense | 942,000 | 1,908,000 | 2,913,000 | 4,043,000 |
| Provision for loan losses | 39,000 | -37,000 | 77,000 | 128,000 |
| Pretax income | 280,000 | 743,000 | 1,032,000 | 1,315,000 |
| Income tax | 71,000 | 204,000 | 277,000 | 350,000 |
| Net income | 209,000 | 539,000 | 755,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,023,000 | 16,963,000 | 17,061,000 | 17,268,000 |
| Total capital | 15,331,000 | 18,195,000 | 18,407,000 | 18,665,000 |
| Risk-weighted assets | 109,529,000 | 114,640,000 | 122,377,000 | 130,235,000 |