Call reports 2011
VISIONBANK — 2011
What VISIONBANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 84,640,000 | 82,374,000 | 81,047,000 | 84,693,000 |
| Total loans | 60,361,000 | 60,683,000 | 59,973,000 | 61,890,000 |
| Allowance for loan losses | 820,000 | 754,000 | 813,000 | 833,000 |
| Securities available for sale | 8,226,000 | 7,864,000 | 8,735,000 | 8,089,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,820,000 | 64,292,000 | 63,144,000 | 68,299,000 |
| Interest-bearing deposits | 60,840,000 | 58,976,000 | 54,459,000 | 59,353,000 |
| Noninterest-bearing deposits | 5,980,000 | 5,316,000 | 8,685,000 | 8,946,000 |
| Equity capital | 7,654,000 | 7,791,000 | 7,838,000 | 7,865,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 929,000 | 1,907,000 | 2,882,000 | 3,836,000 |
| Interest expense | 251,000 | 449,000 | 634,000 | 792,000 |
| Net interest income | 678,000 | 1,458,000 | 2,248,000 | 3,044,000 |
| Noninterest income | 86,000 | 196,000 | 262,000 | 467,000 |
| Noninterest expense | 649,000 | 1,353,000 | 2,083,000 | 3,031,000 |
| Provision for loan losses | 45,000 | 90,000 | 150,000 | 180,000 |
| Pretax income | 70,000 | 211,000 | 277,000 | 300,000 |
| Income tax | 20,000 | 63,000 | 95,000 | 102,000 |
| Net income | 50,000 | 148,000 | 182,000 | 198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,897,000 | 6,995,000 | 7,029,000 | 7,045,000 |
| Total capital | 7,692,000 | 7,749,000 | 7,794,000 | 7,806,000 |
| Risk-weighted assets | 63,561,000 | 62,167,000 | 61,137,000 | 60,819,000 |