Call reports 2005
VISIONBANK OF IOWA — 2005
What VISIONBANK OF IOWA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 91,306,000 | 88,399,000 | 87,817,000 | 90,954,000 |
| Total loans | 67,589,000 | 66,185,000 | 61,409,000 | 59,985,000 |
| Allowance for loan losses | 1,675,000 | 1,694,000 | 1,694,000 | 1,102,000 |
| Securities available for sale | 18,544,000 | 18,907,000 | 22,230,000 | 23,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,066,000 | 58,536,000 | 60,520,000 | 64,744,000 |
| Interest-bearing deposits | 55,596,000 | 52,735,000 | 54,543,000 | 55,483,000 |
| Noninterest-bearing deposits | 6,470,000 | 5,801,000 | 5,977,000 | 9,261,000 |
| Equity capital | 8,672,000 | 8,938,000 | 8,785,000 | 8,946,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,287,000 | 2,568,000 | 3,835,000 | 5,120,000 |
| Interest expense | 486,000 | 984,000 | 1,520,000 | 2,089,000 |
| Net interest income | 801,000 | 1,584,000 | 2,315,000 | 3,031,000 |
| Noninterest income | 62,000 | 117,000 | 173,000 | 219,000 |
| Noninterest expense | 394,000 | 789,000 | 1,180,000 | 1,693,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | -400,000 |
| Pretax income | 452,000 | 881,000 | 1,292,000 | 1,985,000 |
| Income tax | 22,000 | 43,000 | 64,000 | 99,000 |
| Net income | 430,000 | 838,000 | 1,228,000 | 1,886,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,469,000 | 8,533,000 | 8,578,000 | 8,891,000 |
| Total capital | 9,358,000 | 9,415,000 | 9,410,000 | 9,718,000 |
| Risk-weighted assets | 70,320,000 | 69,769,000 | 65,712,000 | 65,850,000 |