Call reports 2005
VISIONBANK — 2005
What VISIONBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Total assets | 18,944,000 | 22,765,000 | 26,077,000 |
| Total loans | 12,593,000 | 17,540,000 | 21,652,000 |
| Allowance for loan losses | 191,000 | 263,000 | 324,000 |
| Securities available for sale | 3,983,000 | 3,466,000 | 2,457,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 11,918,000 | 15,600,000 | 16,519,000 |
| Interest-bearing deposits | 10,448,000 | 14,230,000 | 14,929,000 |
| Noninterest-bearing deposits | 1,470,000 | 1,370,000 | 1,590,000 |
| Equity capital | 5,660,000 | 5,507,000 | 5,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Interest income | 145,000 | 439,000 | 813,000 |
| Interest expense | 47,000 | 170,000 | 330,000 |
| Net interest income | 98,000 | 269,000 | 483,000 |
| Noninterest income | 7,000 | 38,000 | 66,000 |
| Noninterest expense | 252,000 | 551,000 | 862,000 |
| Provision for loan losses | 28,000 | 100,000 | 161,000 |
| Pretax income | -175,000 | -344,000 | -486,000 |
| Income tax | -40,000 | -74,000 | -108,000 |
| Net income | -135,000 | -270,000 | -378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|
| Tier 1 capital | 4,902,000 | 4,766,000 | 4,659,000 |
| Total capital | 5,083,000 | 4,893,000 | 4,942,000 |
| Risk-weighted assets | 14,435,000 | 10,063,000 | 22,617,000 |