Call reports 2009
VISIONBANK OF IOWA — 2009
What VISIONBANK OF IOWA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 114,261,000 | 106,082,000 | 88,659,000 | 93,062,000 |
| Total loans | 84,467,000 | 81,180,000 | 71,585,000 | 71,718,000 |
| Allowance for loan losses | 1,451,000 | 2,427,000 | 4,410,000 | 4,452,000 |
| Securities available for sale | 2,221,000 | 4,191,000 | 4,189,000 | 5,587,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,506,000 | 87,715,000 | 77,540,000 | 83,632,000 |
| Interest-bearing deposits | 89,915,000 | 83,643,000 | 73,941,000 | 78,430,000 |
| Noninterest-bearing deposits | 5,591,000 | 4,072,000 | 3,599,000 | 5,202,000 |
| Equity capital | 9,369,000 | 9,856,000 | 6,716,000 | 6,936,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,315,000 | 2,629,000 | 3,907,000 | 5,109,000 |
| Interest expense | 786,000 | 1,552,000 | 2,211,000 | 2,766,000 |
| Net interest income | 529,000 | 1,077,000 | 1,696,000 | 2,343,000 |
| Noninterest income | 67,000 | -204,000 | -270,000 | -582,000 |
| Noninterest expense | 833,000 | 1,766,000 | 2,681,000 | 3,509,000 |
| Provision for loan losses | 816,000 | 2,156,000 | 5,484,000 | 5,986,000 |
| Pretax income | -1,053,000 | -3,049,000 | -6,739,000 | -7,734,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,053,000 | -3,049,000 | -6,739,000 | -7,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,289,000 | 9,795,000 | 6,607,000 | 6,844,000 |
| Total capital | 10,401,000 | 10,860,000 | 7,531,000 | 7,778,000 |
| Risk-weighted assets | 88,591,000 | 83,821,000 | 70,434,000 | 71,149,000 |