Call reports 2007
VISIONBANK — 2007
What VISIONBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 28,044,000 | 24,631,000 | 27,464,000 | 27,065,000 |
| Total loans | 22,074,000 | 22,386,000 | 24,354,000 | 23,340,000 |
| Allowance for loan losses | 437,000 | 487,000 | 573,000 | 331,000 |
| Securities available for sale | 1,992,000 | 2,075,000 | 1,579,000 | 1,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,973,000 | 18,849,000 | 22,904,000 | 21,959,000 |
| Interest-bearing deposits | 21,721,000 | 17,957,000 | 21,728,000 | 20,286,000 |
| Noninterest-bearing deposits | 1,252,000 | 893,000 | 1,176,000 | 1,673,000 |
| Equity capital | 5,007,000 | 4,756,000 | 4,438,000 | 5,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 533,000 | 1,037,000 | 1,546,000 | 2,034,000 |
| Interest expense | 261,000 | 515,000 | 780,000 | 1,030,000 |
| Net interest income | 272,000 | 522,000 | 766,000 | 1,004,000 |
| Noninterest income | 13,000 | 24,000 | 35,000 | 43,000 |
| Noninterest expense | 457,000 | 887,000 | 1,269,000 | 1,579,000 |
| Provision for loan losses | 86,000 | 148,000 | 348,000 | 198,000 |
| Pretax income | -258,000 | -489,000 | -816,000 | -730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -258,000 | -489,000 | -816,000 | -730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,008,000 | 4,776,000 | 4,449,000 | 5,036,000 |
| Total capital | 5,306,000 | 5,072,000 | 4,774,000 | 5,336,000 |
| Risk-weighted assets | 23,717,000 | 23,501,000 | 25,727,000 | 23,975,000 |