Call reports 2014
VISION BANK - TEXAS — 2014
What VISION BANK - TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 178,268,000 | 178,286,000 | 189,265,000 | 179,459,000 |
| Total loans | 114,551,000 | 124,155,000 | 128,052,000 | 131,943,000 |
| Allowance for loan losses | 1,522,000 | 1,691,000 | 1,801,000 | 1,966,000 |
| Securities available for sale | 31,198,000 | 21,638,000 | 18,617,000 | 17,154,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,503,000 | 160,856,000 | 171,440,000 | 160,948,000 |
| Interest-bearing deposits | 135,143,000 | 135,411,000 | 136,473,000 | 128,768,000 |
| Noninterest-bearing deposits | 26,361,000 | 25,445,000 | 34,967,000 | 32,179,000 |
| Equity capital | 16,505,000 | 17,215,000 | 17,699,000 | 18,367,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,681,000 | 3,434,000 | 5,225,000 | 7,135,000 |
| Interest expense | 298,000 | 595,000 | 866,000 | 1,126,000 |
| Net interest income | 1,383,000 | 2,839,000 | 4,359,000 | 6,009,000 |
| Noninterest income | 131,000 | 221,000 | 310,000 | 403,000 |
| Noninterest expense | 1,077,000 | 2,060,000 | 3,041,000 | 4,074,000 |
| Provision for loan losses | 125,000 | 294,000 | 404,000 | 569,000 |
| Pretax income | 321,000 | 786,000 | 1,304,000 | 1,849,000 |
| Income tax | 84,000 | 220,000 | 376,000 | 542,000 |
| Net income | 237,000 | 566,000 | 928,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,526,000 | 17,870,000 | 18,247,000 | 18,641,000 |
| Total capital | 19,048,000 | 19,558,000 | 20,001,000 | 20,454,000 |
| Risk-weighted assets | 130,215,000 | 135,008,000 | 140,238,000 | 144,876,000 |