Call reports 2008
VISIONBANK OF IOWA — 2008
What VISIONBANK OF IOWA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 99,560,000 | 103,255,000 | 110,808,000 | 110,270,000 |
| Total loans | 93,941,000 | 95,879,000 | 93,567,000 | 89,510,000 |
| Allowance for loan losses | 1,059,000 | 1,144,000 | 1,479,000 | 1,911,000 |
| Securities available for sale | 2,880,000 | 2,748,000 | 2,710,000 | 2,762,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,242,000 | 78,494,000 | 89,664,000 | 90,393,000 |
| Interest-bearing deposits | 70,328,000 | 74,438,000 | 79,320,000 | 83,558,000 |
| Noninterest-bearing deposits | 4,914,000 | 4,056,000 | 10,344,000 | 6,835,000 |
| Equity capital | 13,513,000 | 13,134,000 | 12,282,000 | 10,418,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,699,000 | 3,246,000 | 4,706,000 | 6,144,000 |
| Interest expense | 930,000 | 1,774,000 | 2,599,000 | 3,412,000 |
| Net interest income | 769,000 | 1,472,000 | 2,107,000 | 2,732,000 |
| Noninterest income | 56,000 | 103,000 | 155,000 | -106,000 |
| Noninterest expense | 910,000 | 1,823,000 | 2,916,000 | 3,869,000 |
| Provision for loan losses | 45,000 | 155,000 | 655,000 | 1,997,000 |
| Pretax income | -130,000 | -403,000 | -1,309,000 | -3,240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -130,000 | -403,000 | -1,309,000 | -3,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,475,000 | 13,166,000 | 12,270,000 | 10,341,000 |
| Total capital | 14,534,000 | 14,310,000 | 13,501,000 | 11,532,000 |
| Risk-weighted assets | 94,743,000 | 96,769,000 | 98,232,000 | 94,577,000 |