Call reports 2015
VISIONBANK OF IOWA — 2015
What VISIONBANK OF IOWA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 388,919,000 | 386,680,000 | 406,296,000 | 417,465,000 |
| Total loans | 327,364,000 | 344,683,000 | 358,045,000 | 362,763,000 |
| Allowance for loan losses | 6,391,000 | 6,393,000 | 5,240,000 | 5,249,000 |
| Securities available for sale | 15,544,000 | 15,154,000 | 13,641,000 | 15,056,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,938,000 | 306,613,000 | 314,897,000 | 327,688,000 |
| Interest-bearing deposits | 241,374,000 | 231,465,000 | 233,523,000 | 240,820,000 |
| Noninterest-bearing deposits | 72,564,000 | 75,148,000 | 81,374,000 | 86,868,000 |
| Equity capital | 45,466,000 | 45,396,000 | 45,247,000 | 45,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,647,000 | 7,604,000 | 11,541,000 | 15,679,000 |
| Interest expense | 444,000 | 905,000 | 1,445,000 | 2,050,000 |
| Net interest income | 3,203,000 | 6,699,000 | 10,096,000 | 13,629,000 |
| Noninterest income | 532,000 | 1,028,000 | -138,000 | 135,000 |
| Noninterest expense | 2,712,000 | 5,422,000 | 8,094,000 | 10,720,000 |
| Provision for loan losses | 0 | 0 | -1,165,000 | -1,165,000 |
| Pretax income | 1,046,000 | 2,328,000 | 3,052,000 | 4,232,000 |
| Income tax | 0 | 0 | 0 | 53,000 |
| Net income | 1,046,000 | 2,328,000 | 3,052,000 | 4,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,963,000 | 44,919,000 | 44,766,000 | 45,475,000 |
| Total capital | 49,524,000 | 49,697,000 | 49,632,000 | 50,384,000 |
| Risk-weighted assets | 363,086,000 | 380,595,000 | 388,892,000 | 392,409,000 |