Call reports 2015
VISIONBANK — 2015
What VISIONBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 45,599,000 | 50,885,000 | 50,284,000 | 57,140,000 |
| Total loans | 37,351,000 | 37,880,000 | 44,642,000 | 47,873,000 |
| Allowance for loan losses | 473,000 | 474,000 | 563,000 | 600,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,599,000 | 45,675,000 | 44,908,000 | 50,575,000 |
| Interest-bearing deposits | 35,084,000 | 36,438,000 | 37,577,000 | 44,646,000 |
| Noninterest-bearing deposits | 5,515,000 | 9,237,000 | 7,331,000 | 5,929,000 |
| Equity capital | 4,955,000 | 5,162,000 | 5,326,000 | 6,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 549,000 | 1,167,000 | 1,839,000 | 2,557,000 |
| Interest expense | 86,000 | 192,000 | 306,000 | 447,000 |
| Net interest income | 463,000 | 975,000 | 1,533,000 | 2,110,000 |
| Noninterest income | 6,000 | 12,000 | 19,000 | 29,000 |
| Noninterest expense | 310,000 | 621,000 | 933,000 | 1,301,000 |
| Provision for loan losses | 17,000 | 17,000 | 106,000 | 142,000 |
| Pretax income | 142,000 | 349,000 | 513,000 | 696,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 142,000 | 349,000 | 513,000 | 696,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,955,000 | 5,162,000 | 5,326,000 | 6,509,000 |
| Total capital | 5,372,000 | 5,564,000 | 5,809,000 | 7,018,000 |
| Risk-weighted assets | 33,305,000 | 32,102,000 | 38,622,000 | 40,662,000 |