Call reports 2015
VISIONBANK — 2015
What VISIONBANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 110,060,000 | 116,847,000 | 123,053,000 | 122,032,000 |
| Total loans | 86,189,000 | 92,209,000 | 93,724,000 | 95,861,000 |
| Allowance for loan losses | 1,010,000 | 1,041,000 | 1,072,000 | 1,109,000 |
| Securities available for sale | 16,081,000 | 3,610,000 | 3,385,000 | 2,413,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,876,000 | 100,001,000 | 104,514,000 | 104,014,000 |
| Interest-bearing deposits | 62,849,000 | 44,433,000 | 62,376,000 | 63,941,000 |
| Noninterest-bearing deposits | 30,027,000 | 55,568,000 | 42,138,000 | 40,073,000 |
| Equity capital | 10,606,000 | 10,766,000 | 10,890,000 | 11,063,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,081,000 | 2,138,000 | 3,265,000 | 4,459,000 |
| Interest expense | 61,000 | 122,000 | 188,000 | 246,000 |
| Net interest income | 1,020,000 | 2,016,000 | 3,077,000 | 4,213,000 |
| Noninterest income | 201,000 | 462,000 | 421,000 | 690,000 |
| Noninterest expense | 967,000 | 1,923,000 | 2,752,000 | 3,751,000 |
| Provision for loan losses | 32,000 | 65,000 | 97,000 | 171,000 |
| Pretax income | 222,000 | 490,000 | 649,000 | 981,000 |
| Income tax | 86,000 | 187,000 | 223,000 | 367,000 |
| Net income | 136,000 | 303,000 | 426,000 | 614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,794,000 | 9,961,000 | 10,084,000 | 10,272,000 |
| Total capital | 10,784,000 | 11,002,000 | 11,156,000 | 11,381,000 |
| Risk-weighted assets | 79,177,000 | 85,578,000 | 88,693,000 | 91,229,000 |