Call reports 2013
VISIONBANK — 2013
What VISIONBANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 100,728,000 | 103,338,000 | 96,066,000 | 100,277,000 |
| Total loans | 64,601,000 | 68,062,000 | 71,522,000 | 72,488,000 |
| Allowance for loan losses | 978,000 | 994,000 | 1,014,000 | 1,032,000 |
| Securities available for sale | 6,531,000 | 7,431,000 | 8,029,000 | 7,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,646,000 | 87,588,000 | 85,227,000 | 86,009,000 |
| Interest-bearing deposits | 65,888,000 | 67,699,000 | 70,215,000 | 61,680,000 |
| Noninterest-bearing deposits | 21,758,000 | 19,889,000 | 15,012,000 | 24,329,000 |
| Equity capital | 8,513,000 | 8,947,000 | 9,112,000 | 9,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 897,000 | 1,825,000 | 2,778,000 | 3,728,000 |
| Interest expense | 77,000 | 155,000 | 224,000 | 288,000 |
| Net interest income | 820,000 | 1,670,000 | 2,554,000 | 3,440,000 |
| Noninterest income | 138,000 | 324,000 | 503,000 | 675,000 |
| Noninterest expense | 710,000 | 1,487,000 | 2,262,000 | 3,080,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 230,000 | 471,000 | 741,000 | 963,000 |
| Income tax | 88,000 | 144,000 | 249,000 | 338,000 |
| Net income | 142,000 | 327,000 | 492,000 | 625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,660,000 | 8,165,000 | 8,304,000 | 9,038,000 |
| Total capital | 8,454,000 | 8,984,000 | 9,161,000 | 9,901,000 |
| Risk-weighted assets | 63,584,000 | 65,358,000 | 68,417,000 | 68,868,000 |