Call reports 2014
VISIONBANK — 2014
What VISIONBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 36,940,000 | 37,636,000 | 40,821,000 | 39,608,000 |
| Total loans | 28,991,000 | 30,984,000 | 32,267,000 | 34,152,000 |
| Allowance for loan losses | 423,000 | 423,000 | 439,000 | 459,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,289,000 | 32,879,000 | 36,064,000 | 34,763,000 |
| Interest-bearing deposits | 28,358,000 | 28,965,000 | 30,966,000 | 29,817,000 |
| Noninterest-bearing deposits | 3,931,000 | 3,914,000 | 5,098,000 | 4,946,000 |
| Equity capital | 4,604,000 | 4,712,000 | 4,703,000 | 4,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 442,000 | 903,000 | 1,392,000 | 1,885,000 |
| Interest expense | 70,000 | 141,000 | 215,000 | 290,000 |
| Net interest income | 372,000 | 762,000 | 1,177,000 | 1,595,000 |
| Noninterest income | 4,000 | 10,000 | -48,000 | -41,000 |
| Noninterest expense | 270,000 | 557,000 | 858,000 | 1,153,000 |
| Provision for loan losses | 0 | 0 | 65,000 | 85,000 |
| Pretax income | 106,000 | 215,000 | 206,000 | 316,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 106,000 | 215,000 | 206,000 | 316,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,604,000 | 4,712,000 | 4,703,000 | 4,813,000 |
| Total capital | 4,972,000 | 5,098,000 | 5,086,000 | 5,224,000 |
| Risk-weighted assets | 29,399,000 | 30,874,000 | 30,581,000 | 32,805,000 |