Call reports 2007
VISIONBANK OF IOWA — 2007
What VISIONBANK OF IOWA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,254,000 | 85,593,000 | 94,822,000 | 101,533,000 |
| Total loans | 58,159,000 | 78,175,000 | 88,439,000 | 95,295,000 |
| Allowance for loan losses | 458,000 | 643,000 | 838,000 | 1,014,000 |
| Securities available for sale | 3,576,000 | 3,984,000 | 4,025,000 | 3,351,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,226,000 | 60,143,000 | 73,647,000 | 75,118,000 |
| Interest-bearing deposits | 47,630,000 | 54,652,000 | 68,922,000 | 68,650,000 |
| Noninterest-bearing deposits | 3,596,000 | 5,491,000 | 4,725,000 | 6,468,000 |
| Equity capital | 13,744,000 | 13,549,000 | 13,596,000 | 13,580,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,142,000 | 2,632,000 | 4,342,000 | 6,160,000 |
| Interest expense | 514,000 | 1,215,000 | 2,110,000 | 3,099,000 |
| Net interest income | 628,000 | 1,417,000 | 2,232,000 | 3,061,000 |
| Noninterest income | 9,000 | 30,000 | 91,000 | 120,000 |
| Noninterest expense | 761,000 | 1,525,000 | 2,208,000 | 2,918,000 |
| Provision for loan losses | 143,000 | 328,000 | 523,000 | 702,000 |
| Pretax income | -267,000 | -406,000 | -408,000 | -439,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -267,000 | -406,000 | -408,000 | -439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,750,000 | 13,617,000 | 13,622,000 | 13,597,000 |
| Total capital | 14,208,000 | 14,260,000 | 14,460,000 | 14,611,000 |
| Risk-weighted assets | 63,817,000 | 80,994,000 | 88,816,000 | 93,319,000 |