Call reports 2010
VISIONBANK — 2010
What VISIONBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 42,534,000 | 43,269,000 | 40,094,000 | 36,209,000 |
| Total loans | 31,673,000 | 30,049,000 | 30,607,000 | 28,663,000 |
| Allowance for loan losses | 716,000 | 717,000 | 901,000 | 904,000 |
| Securities available for sale | 2,093,000 | 2,061,000 | 2,051,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 2,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,295,000 | 39,193,000 | 36,409,000 | 32,522,000 |
| Interest-bearing deposits | 36,676,000 | 37,541,000 | 34,148,000 | 30,756,000 |
| Noninterest-bearing deposits | 1,619,000 | 1,652,000 | 2,261,000 | 1,767,000 |
| Equity capital | 4,131,000 | 4,005,000 | 3,580,000 | 3,623,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 541,000 | 1,063,000 | 1,567,000 | 2,073,000 |
| Interest expense | 158,000 | 348,000 | 530,000 | 709,000 |
| Net interest income | 383,000 | 715,000 | 1,037,000 | 1,364,000 |
| Noninterest income | -49,000 | -100,000 | -325,000 | -337,000 |
| Noninterest expense | 374,000 | 767,000 | 1,115,000 | 1,378,000 |
| Provision for loan losses | 119,000 | 119,000 | 302,000 | 302,000 |
| Pretax income | -159,000 | -271,000 | -705,000 | -647,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -159,000 | -271,000 | -705,000 | -647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,111,000 | 3,999,000 | 3,565,000 | 3,623,000 |
| Total capital | 4,577,000 | 4,449,000 | 4,007,000 | 4,019,000 |
| Risk-weighted assets | 37,001,000 | 35,749,000 | 34,923,000 | 31,205,000 |