Call reports 2007
VISIONBANK OF IOWA — 2007
What VISIONBANK OF IOWA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 92,541,000 | 99,719,000 | 94,511,000 | 93,857,000 |
| Total loans | 72,888,000 | 72,116,000 | 72,108,000 | 69,509,000 |
| Allowance for loan losses | 1,146,000 | 1,149,000 | 1,145,000 | 1,137,000 |
| Securities available for sale | 16,195,000 | 18,423,000 | 17,896,000 | 17,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,758,000 | 74,841,000 | 61,433,000 | 62,482,000 |
| Interest-bearing deposits | 59,969,000 | 67,905,000 | 55,837,000 | 56,138,000 |
| Noninterest-bearing deposits | 5,789,000 | 6,936,000 | 5,596,000 | 6,344,000 |
| Equity capital | 8,711,000 | 8,601,000 | 8,854,000 | 8,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,613,000 | 3,226,000 | 4,824,000 | 6,405,000 |
| Interest expense | 829,000 | 1,656,000 | 2,493,000 | 3,256,000 |
| Net interest income | 784,000 | 1,570,000 | 2,331,000 | 3,149,000 |
| Noninterest income | 58,000 | 117,000 | 178,000 | 237,000 |
| Noninterest expense | 392,000 | 784,000 | 1,137,000 | 1,478,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 450,000 | 903,000 | 1,372,000 | 1,908,000 |
| Income tax | 21,000 | 43,000 | 69,000 | 96,000 |
| Net income | 429,000 | 860,000 | 1,303,000 | 1,812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,417,000 | 8,460,000 | 8,514,000 | 7,969,000 |
| Total capital | 9,380,000 | 9,404,000 | 9,464,000 | 8,885,000 |
| Risk-weighted assets | 76,864,000 | 76,413,000 | 75,804,000 | 73,059,000 |