Call reports 2009
VISIONBANK — 2009
What VISIONBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 34,796,000 | 36,283,000 | 35,486,000 | 39,002,000 |
| Total loans | 30,526,000 | 31,800,000 | 31,644,000 | 32,742,000 |
| Allowance for loan losses | 513,000 | 451,000 | 764,000 | 736,000 |
| Securities available for sale | 654,000 | 2,167,000 | 1,063,000 | 2,101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,004,000 | 31,461,000 | 31,002,000 | 34,658,000 |
| Interest-bearing deposits | 28,083,000 | 30,162,000 | 29,058,000 | 32,974,000 |
| Noninterest-bearing deposits | 1,921,000 | 1,299,000 | 1,944,000 | 1,684,000 |
| Equity capital | 4,721,000 | 4,751,000 | 4,390,000 | 4,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 990,000 | 1,471,000 | 2,012,000 |
| Interest expense | 228,000 | 423,000 | 588,000 | 738,000 |
| Net interest income | 230,000 | 567,000 | 883,000 | 1,274,000 |
| Noninterest income | 19,000 | 24,000 | 30,000 | -25,000 |
| Noninterest expense | 309,000 | 641,000 | 957,000 | 1,290,000 |
| Provision for loan losses | 3,000 | 3,000 | 930,000 | 1,048,000 |
| Pretax income | -63,000 | -53,000 | -920,000 | -1,035,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -63,000 | -53,000 | -920,000 | -1,035,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,687,000 | 4,698,000 | 4,385,000 | 4,270,000 |
| Total capital | 5,105,000 | 5,144,000 | 4,828,000 | 4,738,000 |
| Risk-weighted assets | 33,306,000 | 35,635,000 | 35,155,000 | 37,169,000 |