Call reports 2016
VISIONBANK OF IOWA — 2016
What VISIONBANK OF IOWA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 414,246,000 | 438,117,000 | 446,719,000 | 454,462,000 |
| Total loans | 368,296,000 | 371,329,000 | 381,890,000 | 385,578,000 |
| Allowance for loan losses | 5,302,000 | 5,324,000 | 5,333,000 | 4,563,000 |
| Securities available for sale | 14,111,000 | 15,286,000 | 13,888,000 | 13,782,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,045,000 | 337,027,000 | 345,059,000 | 352,018,000 |
| Interest-bearing deposits | 189,425,000 | 262,193,000 | 265,396,000 | 262,616,000 |
| Noninterest-bearing deposits | 134,620,000 | 74,834,000 | 79,663,000 | 89,402,000 |
| Equity capital | 46,474,000 | 47,058,000 | 47,687,000 | 48,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,019,000 | 8,529,000 | 12,726,000 | 17,016,000 |
| Interest expense | 584,000 | 1,190,000 | 1,965,000 | 2,663,000 |
| Net interest income | 3,435,000 | 7,339,000 | 10,761,000 | 14,353,000 |
| Noninterest income | 411,000 | 374,000 | 1,015,000 | 954,000 |
| Noninterest expense | 2,719,000 | 5,474,000 | 8,168,000 | 10,929,000 |
| Provision for loan losses | 0 | 0 | 0 | -500,000 |
| Pretax income | 1,127,000 | 2,239,000 | 3,641,000 | 4,911,000 |
| Income tax | 56,000 | 112,000 | 182,000 | 245,000 |
| Net income | 1,071,000 | 2,127,000 | 3,459,000 | 4,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,010,000 | 46,538,000 | 47,204,000 | 47,808,000 |
| Total capital | 50,953,000 | 51,542,000 | 52,346,000 | 52,371,000 |
| Risk-weighted assets | 395,088,000 | 400,033,000 | 411,197,000 | 412,773,000 |