Call reports 2015
VISION BANK - TEXAS — 2015
What VISION BANK - TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Total assets | 188,375,000 | 185,019,000 |
| Total loans | 141,808,000 | 134,320,000 |
| Allowance for loan losses | 1,642,000 | 1,642,000 |
| Securities available for sale | 4,458,000 | 14,162,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 169,065,000 | 165,331,000 |
| Interest-bearing deposits | 137,866,000 | 134,769,000 |
| Noninterest-bearing deposits | 31,200,000 | 30,562,000 |
| Equity capital | 19,005,000 | 19,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Interest income | 1,845,000 | 3,628,000 |
| Interest expense | 254,000 | 516,000 |
| Net interest income | 1,591,000 | 3,112,000 |
| Noninterest income | 85,000 | 176,000 |
| Noninterest expense | 1,014,000 | 1,921,000 |
| Provision for loan losses | 39,000 | 39,000 |
| Pretax income | 539,000 | 1,244,000 |
| Income tax | 171,000 | 389,000 |
| Net income | 368,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 |
|---|---|---|
| Tier 1 capital | 19,036,000 | 19,542,000 |
| Total capital | 20,678,000 | 21,184,000 |
| Risk-weighted assets | 154,076,000 | 174,891,000 |