Call reports 2006
VISIONBANK — 2006
What VISIONBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 13,174,000 | 18,613,000 | 23,834,000 | 25,263,000 |
| Total loans | 12,489,000 | 17,368,000 | 20,276,000 | 20,591,000 |
| Allowance for loan losses | 187,000 | 260,000 | 319,000 | 358,000 |
| Securities available for sale | 0 | 0 | 994,000 | 1,986,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,678,000 | 13,198,000 | 18,419,000 | 19,934,000 |
| Interest-bearing deposits | 6,534,000 | 11,960,000 | 16,573,000 | 18,308,000 |
| Noninterest-bearing deposits | 1,144,000 | 1,238,000 | 1,846,000 | 1,626,000 |
| Equity capital | 5,483,000 | 5,393,000 | 5,363,000 | 5,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 242,000 | 614,000 | 1,131,000 | 1,650,000 |
| Interest expense | 33,000 | 153,000 | 363,000 | 592,000 |
| Net interest income | 209,000 | 461,000 | 768,000 | 1,058,000 |
| Noninterest income | 0 | 3,000 | 11,000 | 20,000 |
| Noninterest expense | 268,000 | 531,000 | 817,000 | 1,175,000 |
| Provision for loan losses | 127,000 | 209,000 | 268,000 | 307,000 |
| Pretax income | -186,000 | -276,000 | -306,000 | -404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -186,000 | -276,000 | -306,000 | -404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,483,000 | 5,393,000 | 5,363,000 | 5,266,000 |
| Total capital | 5,647,000 | 5,610,000 | 5,615,000 | 5,535,000 |
| Risk-weighted assets | 13,093,000 | 17,613,000 | 20,906,000 | 21,431,000 |