Call reports 2012
VISIONBANK — 2012
What VISIONBANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 85,483,000 | 89,299,000 | 94,873,000 | 88,050,000 |
| Total loans | 60,154,000 | 61,653,000 | 63,252,000 | 60,937,000 |
| Allowance for loan losses | 838,000 | 888,000 | 898,000 | 960,000 |
| Securities available for sale | 7,664,000 | 8,162,000 | 7,666,000 | 6,045,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,224,000 | 73,175,000 | 83,409,000 | 75,348,000 |
| Interest-bearing deposits | 59,532,000 | 62,281,000 | 65,328,000 | 62,349,000 |
| Noninterest-bearing deposits | 10,692,000 | 10,894,000 | 18,081,000 | 12,999,000 |
| Equity capital | 8,037,000 | 8,182,000 | 8,383,000 | 8,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 941,000 | 1,901,000 | 2,852,000 | 3,759,000 |
| Interest expense | 143,000 | 269,000 | 374,000 | 458,000 |
| Net interest income | 798,000 | 1,632,000 | 2,478,000 | 3,301,000 |
| Noninterest income | 171,000 | 319,000 | 490,000 | 585,000 |
| Noninterest expense | 759,000 | 1,453,000 | 2,115,000 | 2,794,000 |
| Provision for loan losses | 0 | 50,000 | 100,000 | 156,000 |
| Pretax income | 210,000 | 448,000 | 753,000 | 936,000 |
| Income tax | 60,000 | 147,000 | 273,000 | 375,000 |
| Net income | 150,000 | 301,000 | 480,000 | 561,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,196,000 | 7,347,000 | 7,526,000 | 7,546,000 |
| Total capital | 7,960,000 | 8,113,000 | 8,313,000 | 8,326,000 |
| Risk-weighted assets | 61,054,000 | 61,177,000 | 62,849,000 | 62,243,000 |