Call reports 2008
VISIONBANK OF IOWA — 2008
What VISIONBANK OF IOWA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 91,367,000 | 89,291,000 | 90,280,000 | 96,995,000 |
| Total loans | 70,193,000 | 70,174,000 | 64,011,000 | 66,309,000 |
| Allowance for loan losses | 1,017,000 | 1,021,000 | 1,008,000 | 1,009,000 |
| Securities available for sale | 16,585,000 | 14,853,000 | 14,753,000 | 19,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,230,000 | 60,904,000 | 64,151,000 | 73,657,000 |
| Interest-bearing deposits | 52,988,000 | 54,159,000 | 57,270,000 | 66,440,000 |
| Noninterest-bearing deposits | 6,242,000 | 6,745,000 | 6,881,000 | 7,217,000 |
| Equity capital | 9,082,000 | 9,209,000 | 8,924,000 | 8,566,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,457,000 | 2,858,000 | 4,218,000 | 5,419,000 |
| Interest expense | 661,000 | 1,240,000 | 1,812,000 | 2,348,000 |
| Net interest income | 796,000 | 1,618,000 | 2,406,000 | 3,071,000 |
| Noninterest income | 66,000 | 131,000 | 181,000 | 214,000 |
| Noninterest expense | 441,000 | 844,000 | 1,262,000 | 1,711,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 421,000 | 988,000 | 1,408,000 | 1,657,000 |
| Income tax | 21,000 | 50,000 | 68,000 | 79,000 |
| Net income | 400,000 | 938,000 | 1,340,000 | 1,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,370,000 | 8,909,000 | 8,511,000 | 7,851,000 |
| Total capital | 9,275,000 | 9,810,000 | 9,357,000 | 8,741,000 |
| Risk-weighted assets | 72,414,000 | 71,963,000 | 67,562,000 | 71,079,000 |