Call reports 2013
VISIONBANK — 2013
What VISIONBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 31,290,000 | 33,166,000 | 34,224,000 | 35,784,000 |
| Total loans | 26,354,000 | 28,133,000 | 30,183,000 | 28,361,000 |
| Allowance for loan losses | 414,000 | 414,000 | 423,000 | 423,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,493,000 | 1,742,000 | 1,990,000 | 1,990,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,096,000 | 28,879,000 | 29,753,000 | 31,249,000 |
| Interest-bearing deposits | 23,785,000 | 25,889,000 | 26,579,000 | 27,408,000 |
| Noninterest-bearing deposits | 3,312,000 | 2,990,000 | 3,174,000 | 3,841,000 |
| Equity capital | 4,147,000 | 4,255,000 | 4,431,000 | 4,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 392,000 | 822,000 | 1,330,000 | 1,786,000 |
| Interest expense | 75,000 | 143,000 | 212,000 | 279,000 |
| Net interest income | 317,000 | 679,000 | 1,118,000 | 1,507,000 |
| Noninterest income | 118,000 | 133,000 | 139,000 | 128,000 |
| Noninterest expense | 241,000 | 509,000 | 771,000 | 1,082,000 |
| Provision for loan losses | 1,000 | 1,000 | 8,000 | 8,000 |
| Pretax income | 193,000 | 302,000 | 478,000 | 545,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 302,000 | 478,000 | 545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,147,000 | 4,255,000 | 4,431,000 | 4,498,000 |
| Total capital | 4,484,000 | 4,614,000 | 4,818,000 | 4,858,000 |
| Risk-weighted assets | 26,887,000 | 28,656,000 | 30,911,000 | 28,719,000 |