Call reports 2004
VISIONBANK OF IOWA — 2004
What VISIONBANK OF IOWA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 100,074,000 | 98,814,000 | 99,370,000 | 98,292,000 |
| Total loans | 74,698,000 | 74,271,000 | 75,830,000 | 70,776,000 |
| Allowance for loan losses | 1,184,000 | 1,272,000 | 1,918,000 | 1,645,000 |
| Securities available for sale | 20,590,000 | 20,497,000 | 19,539,000 | 19,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,693,000 | 66,959,000 | 63,205,000 | 66,526,000 |
| Interest-bearing deposits | 62,253,000 | 62,077,000 | 57,926,000 | 60,346,000 |
| Noninterest-bearing deposits | 5,440,000 | 4,882,000 | 5,279,000 | 6,180,000 |
| Equity capital | 8,036,000 | 7,909,000 | 8,441,000 | 8,659,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,668,000 | 4,024,000 | 5,404,000 |
| Interest expense | 480,000 | 955,000 | 1,457,000 | 1,982,000 |
| Net interest income | 860,000 | 1,713,000 | 2,567,000 | 3,422,000 |
| Noninterest income | 65,000 | 140,000 | 197,000 | 261,000 |
| Noninterest expense | 430,000 | 852,000 | 1,342,000 | 1,738,000 |
| Provision for loan losses | 145,000 | 250,000 | 880,000 | 1,095,000 |
| Pretax income | 350,000 | 751,000 | 525,000 | 834,000 |
| Income tax | 17,000 | 38,000 | 26,000 | 42,000 |
| Net income | 333,000 | 713,000 | 499,000 | 792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,310,000 | 7,691,000 | 7,977,000 | 8,269,000 |
| Total capital | 8,266,000 | 8,637,000 | 8,955,000 | 9,208,000 |
| Risk-weighted assets | 76,280,000 | 75,387,000 | 77,283,000 | 74,432,000 |