Call reports 2024
VISIONBANK — 2024
What VISIONBANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 248,296,000 | 265,265,000 | 263,111,000 | 269,164,000 |
| Total loans | 220,339,000 | 226,748,000 | 229,455,000 | 238,148,000 |
| Allowance for loan losses | 1,686,000 | 1,761,000 | 1,825,000 | 1,936,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,379,000 | 189,760,000 | 195,354,000 | 195,962,000 |
| Interest-bearing deposits | 161,958,000 | 180,421,000 | 184,651,000 | 185,102,000 |
| Noninterest-bearing deposits | 11,421,000 | 9,339,000 | 10,703,000 | 10,860,000 |
| Equity capital | 22,650,000 | 23,886,000 | 23,791,000 | 24,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 4,184,000 | 8,325,000 | 12,768,000 | 17,009,000 |
| Interest expense | 1,763,000 | 3,706,000 | 5,846,000 | 7,865,000 |
| Net interest income | 2,421,000 | 4,619,000 | 6,922,000 | 9,144,000 |
| Noninterest income | 16,000 | 39,000 | 63,000 | 92,000 |
| Noninterest expense | 663,000 | 1,403,000 | 2,188,000 | 3,334,000 |
| Provision for loan losses | 61,000 | 136,000 | 205,000 | 316,000 |
| Pretax income | 1,698,000 | 3,103,000 | 4,555,000 | 5,572,000 |
| Income tax | 0 | 168,000 | 448,000 | 568,000 |
| Net income | 1,698,000 | 2,935,000 | 4,107,000 | 5,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,650,000 | 23,886,000 | 23,791,000 | 24,250,000 |
| Total capital | 24,424,000 | 25,736,000 | 25,726,000 | 26,273,000 |
| Risk-weighted assets | 187,527,000 | 194,525,000 | 198,909,000 | 209,018,000 |