Call reports 2009
VISIONBANK OF IOWA — 2009
What VISIONBANK OF IOWA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 383,562,000 | 370,994,000 | 365,286,000 | 381,094,000 |
| Total loans | 321,343,000 | 310,610,000 | 293,250,000 | 291,074,000 |
| Allowance for loan losses | 5,949,000 | 7,793,000 | 6,922,000 | 7,786,000 |
| Securities available for sale | 37,920,000 | 35,374,000 | 35,702,000 | 36,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,448,000 | 279,468,000 | 268,581,000 | 293,360,000 |
| Interest-bearing deposits | 262,470,000 | 246,276,000 | 235,829,000 | 250,358,000 |
| Noninterest-bearing deposits | 29,978,000 | 33,192,000 | 32,752,000 | 43,002,000 |
| Equity capital | 36,749,000 | 35,757,000 | 35,745,000 | 34,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,567,000 | 9,746,000 | 14,727,000 | 19,563,000 |
| Interest expense | 1,997,000 | 4,088,000 | 5,919,000 | 7,633,000 |
| Net interest income | 2,570,000 | 5,658,000 | 8,808,000 | 11,930,000 |
| Noninterest income | 608,000 | 1,279,000 | 1,409,000 | 1,498,000 |
| Noninterest expense | 2,167,000 | 4,599,000 | 7,015,000 | 9,457,000 |
| Provision for loan losses | 1,591,000 | 3,601,000 | 4,661,000 | 6,861,000 |
| Pretax income | -920,000 | -1,749,000 | -2,012,000 | -3,512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -920,000 | -1,749,000 | -2,012,000 | -3,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,269,000 | 35,446,000 | 35,174,000 | 33,680,000 |
| Total capital | 40,413,000 | 39,557,000 | 39,055,000 | 37,507,000 |
| Risk-weighted assets | 334,260,000 | 325,176,000 | 307,377,000 | 302,190,000 |