Call reports 2006
VISIONBANK OF IOWA — 2006
What VISIONBANK OF IOWA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 92,180,000 | 91,770,000 | 97,277,000 | 96,790,000 |
| Total loans | 62,388,000 | 70,831,000 | 74,691,000 | 74,872,000 |
| Allowance for loan losses | 1,104,000 | 1,108,000 | 1,107,000 | 1,166,000 |
| Securities available for sale | 20,544,000 | 17,141,000 | 16,583,000 | 16,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,245,000 | 64,840,000 | 73,476,000 | 72,067,000 |
| Interest-bearing deposits | 59,960,000 | 59,005,000 | 66,308,000 | 65,909,000 |
| Noninterest-bearing deposits | 6,285,000 | 5,835,000 | 7,168,000 | 6,158,000 |
| Equity capital | 8,944,000 | 8,840,000 | 8,519,000 | 8,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,341,000 | 2,792,000 | 4,344,000 | 5,988,000 |
| Interest expense | 603,000 | 1,299,000 | 2,089,000 | 2,945,000 |
| Net interest income | 738,000 | 1,493,000 | 2,255,000 | 3,043,000 |
| Noninterest income | 56,000 | 110,000 | 167,000 | 215,000 |
| Noninterest expense | 423,000 | 835,000 | 1,162,000 | 1,563,000 |
| Provision for loan losses | 0 | 0 | 0 | 60,000 |
| Pretax income | 371,000 | 685,000 | 1,179,000 | 1,560,000 |
| Income tax | 18,000 | 34,000 | 59,000 | 78,000 |
| Net income | 353,000 | 651,000 | 1,120,000 | 1,482,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,944,000 | 8,941,000 | 8,313,000 | 8,377,000 |
| Total capital | 9,801,000 | 9,885,000 | 9,305,000 | 9,366,000 |
| Risk-weighted assets | 68,346,000 | 75,373,000 | 79,260,000 | 78,928,000 |