Call reports 2002
VISIONBANK OF IOWA — 2002
What VISIONBANK OF IOWA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 76,560,000 | 83,690,000 | 83,476,000 | 84,183,000 |
| Total loans | 60,013,000 | 65,268,000 | 66,597,000 | 62,931,000 |
| Allowance for loan losses | 683,000 | 823,000 | 947,000 | 979,000 |
| Securities available for sale | 12,703,000 | 12,927,000 | 12,013,000 | 14,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,073,000 | 60,095,000 | 57,319,000 | 58,286,000 |
| Interest-bearing deposits | 50,459,000 | 53,377,000 | 53,468,000 | 53,730,000 |
| Noninterest-bearing deposits | 3,614,000 | 6,718,000 | 3,851,000 | 4,556,000 |
| Equity capital | 5,837,000 | 6,204,000 | 6,642,000 | 6,934,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,217,000 | 2,512,000 | 3,867,000 | 5,189,000 |
| Interest expense | 583,000 | 1,163,000 | 1,773,000 | 2,372,000 |
| Net interest income | 634,000 | 1,349,000 | 2,094,000 | 2,817,000 |
| Noninterest income | 65,000 | 133,000 | 208,000 | 291,000 |
| Noninterest expense | 325,000 | 674,000 | 1,050,000 | 1,425,000 |
| Provision for loan losses | 67,000 | 204,000 | 332,000 | 442,000 |
| Pretax income | 307,000 | 604,000 | 947,000 | 1,360,000 |
| Income tax | 18,000 | 35,000 | 55,000 | 68,000 |
| Net income | 289,000 | 569,000 | 892,000 | 1,292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,345,000 | 5,575,000 | 5,898,000 | 6,298,000 |
| Total capital | 6,028,000 | 6,398,000 | 6,725,000 | 7,090,000 |
| Risk-weighted assets | 60,186,000 | 66,204,000 | 66,016,000 | 63,134,000 |