Call reports 2019
VISIONBANK — 2019
What VISIONBANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 182,173,000 | 181,344,000 | 182,925,000 | 190,542,000 |
| Total loans | 158,081,000 | 162,490,000 | 164,347,000 | 170,405,000 |
| Allowance for loan losses | 1,822,000 | 1,886,000 | 1,748,000 | 1,734,000 |
| Securities available for sale | 3,091,000 | 4,443,000 | 3,498,000 | 3,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,111,000 | 150,987,000 | 154,280,000 | 163,001,000 |
| Interest-bearing deposits | 104,940,000 | 94,627,000 | 97,754,000 | 105,417,000 |
| Noninterest-bearing deposits | 53,171,000 | 56,360,000 | 56,526,000 | 57,584,000 |
| Equity capital | 16,770,000 | 17,096,000 | 16,499,000 | 16,833,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,076,000 | 4,267,000 | 6,472,000 | 8,720,000 |
| Interest expense | 500,000 | 1,024,000 | 1,506,000 | 1,993,000 |
| Net interest income | 1,576,000 | 3,243,000 | 4,966,000 | 6,727,000 |
| Noninterest income | 218,000 | 570,000 | 912,000 | 1,129,000 |
| Noninterest expense | 1,290,000 | 2,636,000 | 3,947,000 | 5,192,000 |
| Provision for loan losses | 66,000 | 132,000 | 1,487,000 | 1,581,000 |
| Pretax income | 438,000 | 1,045,000 | 444,000 | 1,083,000 |
| Income tax | 123,000 | 268,000 | 123,000 | 283,000 |
| Net income | 315,000 | 777,000 | 321,000 | 800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,008,000 | 16,328,000 | 15,731,000 | 16,070,000 |
| Total capital | 17,830,000 | 18,198,000 | 17,479,000 | 17,804,000 |
| Risk-weighted assets | 147,524,000 | 149,584,000 | 154,556,000 | 161,268,000 |