Call reports 2025
VISIONBANK — 2025
What VISIONBANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 270,991,000 | 266,023,000 | 261,573,000 | 257,230,000 |
| Total loans | 240,141,000 | 233,460,000 | 217,762,000 | 227,396,000 |
| Allowance for loan losses | 1,979,000 | 1,991,000 | 1,810,000 | 1,919,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,936,000 | 193,218,000 | 195,484,000 | 189,722,000 |
| Interest-bearing deposits | 190,914,000 | 181,536,000 | 181,075,000 | 177,188,000 |
| Noninterest-bearing deposits | 10,022,000 | 11,682,000 | 14,409,000 | 12,534,000 |
| Equity capital | 25,269,000 | 25,230,000 | 25,144,000 | 25,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 4,516,000 | 9,096,000 | 13,680,000 | 18,604,000 |
| Interest expense | 1,996,000 | 4,111,000 | 6,250,000 | 8,321,000 |
| Net interest income | 2,520,000 | 4,985,000 | 7,430,000 | 10,283,000 |
| Noninterest income | 26,000 | 61,000 | 74,000 | 77,000 |
| Noninterest expense | 794,000 | 1,610,000 | 2,538,000 | 3,671,000 |
| Provision for loan losses | 43,000 | 61,000 | -44,000 | 50,000 |
| Pretax income | 1,718,000 | 3,399,000 | 5,028,000 | 6,640,000 |
| Income tax | 0 | 270,000 | 455,000 | 655,000 |
| Net income | 1,718,000 | 3,129,000 | 4,573,000 | 5,985,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,269,000 | 25,230,000 | 25,144,000 | 25,074,000 |
| Total capital | 27,326,000 | 27,284,000 | 27,023,000 | 27,079,000 |
| Risk-weighted assets | 215,230,000 | 202,417,000 | 188,949,000 | 196,848,000 |