Call reports 2007
VISIONBANK — 2007
What VISIONBANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 49,121,000 | 46,392,000 | 48,012,000 | 50,587,000 |
| Total loans | 36,044,000 | 39,382,000 | 39,500,000 | 45,528,000 |
| Allowance for loan losses | 538,000 | 591,000 | 593,000 | 683,000 |
| Securities available for sale | 2,480,000 | 2,486,000 | 2,500,000 | 3,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,166,000 | 37,545,000 | 38,485,000 | 35,152,000 |
| Interest-bearing deposits | 36,681,000 | 35,060,000 | 35,671,000 | 32,412,000 |
| Noninterest-bearing deposits | 2,485,000 | 2,485,000 | 2,814,000 | 2,740,000 |
| Equity capital | 5,365,000 | 5,385,000 | 5,409,000 | 5,440,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 815,000 | 1,669,000 | 2,590,000 | 3,495,000 |
| Interest expense | 445,000 | 875,000 | 1,356,000 | 1,799,000 |
| Net interest income | 370,000 | 794,000 | 1,234,000 | 1,696,000 |
| Noninterest income | 41,000 | 75,000 | 113,000 | 150,000 |
| Noninterest expense | 367,000 | 751,000 | 1,198,000 | 1,596,000 |
| Provision for loan losses | 24,000 | 79,000 | 83,000 | 173,000 |
| Pretax income | 20,000 | 39,000 | 66,000 | 77,000 |
| Income tax | 6,000 | 11,000 | 20,000 | 7,000 |
| Net income | 14,000 | 28,000 | 46,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,611,000 | 4,627,000 | 4,644,000 | 4,667,000 |
| Total capital | 5,109,000 | 5,136,000 | 5,163,000 | 5,241,000 |
| Risk-weighted assets | 39,828,000 | 40,634,000 | 41,439,000 | 46,026,000 |