Call reports 2006
VISIONBANK — 2006
What VISIONBANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 30,122,000 | 31,320,000 | 36,898,000 | 44,862,000 |
| Total loans | 22,769,000 | 26,085,000 | 32,499,000 | 33,788,000 |
| Allowance for loan losses | 324,000 | 400,000 | 502,000 | 514,000 |
| Securities available for sale | 2,452,000 | 2,445,000 | 2,463,000 | 2,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,370,000 | 19,686,000 | 25,838,000 | 35,570,000 |
| Interest-bearing deposits | 19,999,000 | 18,054,000 | 23,581,000 | 33,414,000 |
| Noninterest-bearing deposits | 1,371,000 | 1,632,000 | 2,257,000 | 2,156,000 |
| Equity capital | 5,346,000 | 5,300,000 | 5,252,000 | 5,346,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 424,000 | 921,000 | 1,547,000 | 2,325,000 |
| Interest expense | 194,000 | 410,000 | 708,000 | 1,120,000 |
| Net interest income | 230,000 | 511,000 | 839,000 | 1,205,000 |
| Noninterest income | 29,000 | 62,000 | 104,000 | 155,000 |
| Noninterest expense | 321,000 | 627,000 | 968,000 | 1,336,000 |
| Provision for loan losses | 0 | 76,000 | 178,000 | 189,000 |
| Pretax income | -62,000 | -130,000 | -203,000 | -165,000 |
| Income tax | -12,000 | -38,000 | -53,000 | -104,000 |
| Net income | -50,000 | -92,000 | -150,000 | -61,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,609,000 | 4,567,000 | 4,509,000 | 4,597,000 |
| Total capital | 4,904,000 | 4,896,000 | 4,909,000 | 5,038,000 |
| Risk-weighted assets | 23,598,000 | 26,280,000 | 31,874,000 | 35,232,000 |