Call reports 2018
VISIONBANK — 2018
What VISIONBANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 165,823,000 | 170,373,000 | 174,831,000 | 178,483,000 |
| Total loans | 135,762,000 | 145,799,000 | 148,970,000 | 156,824,000 |
| Allowance for loan losses | 1,500,000 | 1,557,000 | 1,619,000 | 1,766,000 |
| Securities available for sale | 2,353,000 | 2,849,000 | 1,841,000 | 2,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,351,000 | 146,917,000 | 152,600,000 | 155,032,000 |
| Interest-bearing deposits | 90,797,000 | 95,549,000 | 97,821,000 | 97,752,000 |
| Noninterest-bearing deposits | 54,554,000 | 51,368,000 | 54,779,000 | 57,280,000 |
| Equity capital | 14,937,000 | 15,689,000 | 16,128,000 | 16,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,702,000 | 3,532,000 | 5,528,000 | 7,584,000 |
| Interest expense | 202,000 | 422,000 | 739,000 | 1,169,000 |
| Net interest income | 1,500,000 | 3,110,000 | 4,789,000 | 6,415,000 |
| Noninterest income | 239,000 | 534,000 | 752,000 | 1,165,000 |
| Noninterest expense | 1,222,000 | 2,581,000 | 3,827,000 | 5,240,000 |
| Provision for loan losses | 62,000 | 125,000 | 188,000 | 351,000 |
| Pretax income | 455,000 | 938,000 | 1,526,000 | 1,989,000 |
| Income tax | 127,000 | 233,000 | 371,000 | 487,000 |
| Net income | 328,000 | 705,000 | 1,155,000 | 1,502,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,183,000 | 14,936,000 | 15,378,000 | 15,584,000 |
| Total capital | 15,683,000 | 16,493,000 | 16,997,000 | 17,350,000 |
| Risk-weighted assets | 127,637,000 | 134,446,000 | 139,978,000 | 145,024,000 |