Call reports 2002
VISION BANK — 2002
What VISION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 39,054,000 | 43,297,000 | 41,932,000 | 43,961,000 |
| Total loans | 25,552,000 | 26,074,000 | 24,995,000 | 26,908,000 |
| Allowance for loan losses | 504,000 | 1,253,000 | 994,000 | 975,000 |
| Securities available for sale | 8,587,000 | 8,398,000 | 8,616,000 | 7,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,582,000 | 37,499,000 | 35,933,000 | 37,959,000 |
| Interest-bearing deposits | 31,002,000 | 31,200,000 | 30,000,000 | 32,163,000 |
| Noninterest-bearing deposits | 5,580,000 | 6,299,000 | 5,933,000 | 5,796,000 |
| Equity capital | 2,408,000 | 5,663,000 | 5,814,000 | 5,829,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 652,000 | 497,000 | 1,127,000 | 1,747,000 |
| Interest expense | 289,000 | 202,000 | 439,000 | 661,000 |
| Net interest income | 363,000 | 295,000 | 688,000 | 1,086,000 |
| Noninterest income | 81,000 | 109,000 | 187,000 | 263,000 |
| Noninterest expense | 387,000 | 268,000 | 680,000 | 1,132,000 |
| Provision for loan losses | 30,000 | 51,000 | 51,000 | 51,000 |
| Pretax income | 27,000 | 85,000 | 160,000 | 182,000 |
| Income tax | 0 | 32,000 | 60,000 | 67,000 |
| Net income | 27,000 | 53,000 | 100,000 | 115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,430,000 | 4,028,000 | 4,077,000 | 3,786,000 |
| Total capital | 2,749,000 | 4,362,000 | 4,399,000 | 4,126,000 |
| Risk-weighted assets | 25,364,000 | 25,838,000 | 25,060,000 | 26,545,000 |