Call reports 2020
VISIONBANK — 2020
What VISIONBANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 195,932,000 | 223,110,000 | 225,874,000 | 220,430,000 |
| Total loans | 179,253,000 | 192,731,000 | 184,116,000 | 182,510,000 |
| Allowance for loan losses | 1,783,000 | 1,879,000 | 1,960,000 | 2,017,000 |
| Securities available for sale | 3,520,000 | 5,510,000 | 5,005,000 | 5,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,973,000 | 177,151,000 | 179,489,000 | 190,516,000 |
| Interest-bearing deposits | 111,535,000 | 104,980,000 | 105,752,000 | 118,518,000 |
| Noninterest-bearing deposits | 58,438,000 | 72,171,000 | 73,737,000 | 71,998,000 |
| Equity capital | 17,210,000 | 17,598,000 | 18,019,000 | 18,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,327,000 | 5,310,000 | 7,449,000 | 9,579,000 |
| Interest expense | 462,000 | 876,000 | 1,233,000 | 1,520,000 |
| Net interest income | 1,865,000 | 4,434,000 | 6,216,000 | 8,059,000 |
| Noninterest income | 329,000 | 785,000 | 1,330,000 | 1,844,000 |
| Noninterest expense | 1,446,000 | 2,872,000 | 4,387,000 | 5,800,000 |
| Provision for loan losses | 50,000 | 946,000 | 1,036,000 | 1,146,000 |
| Pretax income | 698,000 | 1,401,000 | 2,123,000 | 2,957,000 |
| Income tax | 200,000 | 363,000 | 519,000 | 716,000 |
| Net income | 498,000 | 1,038,000 | 1,604,000 | 2,241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,427,000 | 16,826,000 | 17,251,000 | 17,753,000 |
| Total capital | 18,210,000 | — | — | — |
| Risk-weighted assets | 170,856,000 | — | — | — |