Call reports 2023
VISIONBANK — 2023
What VISIONBANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 208,854,000 | 215,978,000 | 221,544,000 | 240,312,000 |
| Total loans | 185,476,000 | 190,981,000 | 196,955,000 | 215,088,000 |
| Allowance for loan losses | 1,477,000 | 1,417,000 | 1,468,000 | 1,625,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,093,000 | 160,982,000 | 162,809,000 | 179,578,000 |
| Interest-bearing deposits | 134,979,000 | 140,137,000 | 147,949,000 | 166,657,000 |
| Noninterest-bearing deposits | 19,114,000 | 20,845,000 | 14,860,000 | 12,921,000 |
| Equity capital | 19,873,000 | 20,105,000 | 20,728,000 | 21,628,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,947,000 | 6,205,000 | 9,754,000 | 13,735,000 |
| Interest expense | 818,000 | 2,056,000 | 3,427,000 | 4,763,000 |
| Net interest income | 2,129,000 | 4,149,000 | 6,327,000 | 8,972,000 |
| Noninterest income | 34,000 | 68,000 | 95,000 | 112,000 |
| Noninterest expense | 638,000 | 1,311,000 | 1,943,000 | 2,842,000 |
| Provision for loan losses | -5,000 | -65,000 | -14,000 | 138,000 |
| Pretax income | 1,468,000 | 2,904,000 | 4,410,000 | 6,031,000 |
| Income tax | 0 | 292,000 | 441,000 | 591,000 |
| Net income | 1,468,000 | 2,612,000 | 3,969,000 | 5,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,873,000 | 20,105,000 | 20,728,000 | 21,628,000 |
| Total capital | 21,412,000 | 21,589,000 | 22,279,000 | 23,326,000 |
| Risk-weighted assets | 154,487,000 | 161,036,000 | 166,802,000 | 184,715,000 |