Call reports 2014
VISIONBANK — 2014
What VISIONBANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 102,190,000 | 105,658,000 | 103,897,000 | 103,591,000 |
| Total loans | 73,227,000 | 75,540,000 | 82,125,000 | 86,948,000 |
| Allowance for loan losses | 1,032,000 | 1,031,000 | 1,030,000 | 978,000 |
| Securities available for sale | 7,511,000 | 7,268,000 | 7,010,000 | 4,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,292,000 | 90,641,000 | 87,254,000 | 88,791,000 |
| Interest-bearing deposits | 63,741,000 | 61,289,000 | 65,326,000 | 59,845,000 |
| Noninterest-bearing deposits | 23,551,000 | 29,352,000 | 21,928,000 | 28,946,000 |
| Equity capital | 10,026,000 | 10,193,000 | 10,374,000 | 10,592,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,934,000 | 2,935,000 | 3,986,000 |
| Interest expense | 62,000 | 128,000 | 194,000 | 257,000 |
| Net interest income | 889,000 | 1,806,000 | 2,741,000 | 3,729,000 |
| Noninterest income | 256,000 | 327,000 | 491,000 | 544,000 |
| Noninterest expense | 830,000 | 1,563,000 | 2,361,000 | 3,044,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 315,000 | 570,000 | 871,000 | 1,229,000 |
| Income tax | 127,000 | 226,000 | 340,000 | 479,000 |
| Net income | 188,000 | 344,000 | 531,000 | 750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,226,000 | 9,381,000 | 9,565,000 | 9,784,000 |
| Total capital | 10,093,000 | 10,271,000 | 10,530,000 | 10,762,000 |
| Risk-weighted assets | 69,198,000 | 71,047,000 | 77,142,000 | 80,896,000 |