Call reports 2010
VISIONBANK — 2010
What VISIONBANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 77,559,000 | 75,615,000 | 79,146,000 | 83,326,000 |
| Total loans | 60,389,000 | 59,479,000 | 60,259,000 | 59,552,000 |
| Allowance for loan losses | 746,000 | 867,000 | 902,000 | 878,000 |
| Securities available for sale | 6,038,000 | 6,875,000 | 7,432,000 | 8,262,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,550,000 | 59,351,000 | 62,044,000 | 65,090,000 |
| Interest-bearing deposits | 55,641,000 | 54,479,000 | 57,047,000 | 59,917,000 |
| Noninterest-bearing deposits | 4,909,000 | 4,872,000 | 4,997,000 | 5,173,000 |
| Equity capital | 7,596,000 | 7,608,000 | 7,628,000 | 7,616,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 968,000 | 1,914,000 | 2,863,000 | 3,822,000 |
| Interest expense | 312,000 | 633,000 | 932,000 | 1,218,000 |
| Net interest income | 656,000 | 1,281,000 | 1,931,000 | 2,604,000 |
| Noninterest income | 100,000 | 248,000 | 334,000 | 459,000 |
| Noninterest expense | 605,000 | 1,207,000 | 1,884,000 | 2,525,000 |
| Provision for loan losses | 45,000 | 173,000 | 239,000 | 382,000 |
| Pretax income | 106,000 | 149,000 | 219,000 | 233,000 |
| Income tax | 31,000 | 46,000 | 66,000 | 70,000 |
| Net income | 75,000 | 103,000 | 153,000 | 163,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,771,000 | 6,794,000 | 6,844,000 | 6,854,000 |
| Total capital | 7,517,000 | 7,568,000 | 7,620,000 | 7,629,000 |
| Risk-weighted assets | 62,287,000 | 61,844,000 | 61,988,000 | 61,893,000 |