Call reports 2009
VISIONBANK — 2009
What VISIONBANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 68,565,000 | 69,915,000 | 73,319,000 | 71,256,000 |
| Total loans | 58,113,000 | 57,489,000 | 58,806,000 | 59,361,000 |
| Allowance for loan losses | 867,000 | 817,000 | 721,000 | 704,000 |
| Securities available for sale | 5,811,000 | 6,216,000 | 5,593,000 | 4,567,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,653,000 | 52,752,000 | 52,921,000 | 54,158,000 |
| Interest-bearing deposits | 43,309,000 | 48,134,000 | 48,815,000 | 49,970,000 |
| Noninterest-bearing deposits | 4,344,000 | 4,618,000 | 4,106,000 | 4,188,000 |
| Equity capital | 6,518,000 | 6,502,000 | 7,414,000 | 7,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 963,000 | 1,937,000 | 2,917,000 | 3,911,000 |
| Interest expense | 403,000 | 781,000 | 1,166,000 | 1,503,000 |
| Net interest income | 560,000 | 1,156,000 | 1,751,000 | 2,408,000 |
| Noninterest income | 146,000 | 286,000 | 340,000 | 390,000 |
| Noninterest expense | 591,000 | 1,189,000 | 1,781,000 | 2,395,000 |
| Provision for loan losses | 57,000 | 177,000 | 316,000 | 362,000 |
| Pretax income | 58,000 | 76,000 | 85,000 | 132,000 |
| Income tax | 16,000 | 22,000 | 22,000 | 41,000 |
| Net income | 42,000 | 54,000 | 63,000 | 91,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,645,000 | 5,658,000 | 6,593,000 | 6,696,000 |
| Total capital | 6,426,000 | 6,421,000 | 7,314,000 | 7,400,000 |
| Risk-weighted assets | 62,387,000 | 60,994,000 | 60,285,000 | 60,873,000 |