Call reports 2003
VISION BANK — 2003
What VISION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 45,591,000 | 47,179,000 | 46,340,000 | 43,668,000 |
| Total loans | 28,054,000 | 26,234,000 | 29,422,000 | 31,028,000 |
| Allowance for loan losses | 852,000 | 836,000 | 832,000 | 834,000 |
| Securities available for sale | 11,564,000 | 8,381,000 | 7,100,000 | 6,806,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,473,000 | 40,887,000 | 40,183,000 | 37,453,000 |
| Interest-bearing deposits | 30,739,000 | 34,115,000 | 32,259,000 | 30,586,000 |
| Noninterest-bearing deposits | 8,734,000 | 6,772,000 | 7,924,000 | 6,867,000 |
| Equity capital | 5,885,000 | 5,964,000 | 5,894,000 | 5,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 604,000 | 1,188,000 | 1,748,000 | 2,338,000 |
| Interest expense | 193,000 | 367,000 | 535,000 | 682,000 |
| Net interest income | 411,000 | 821,000 | 1,213,000 | 1,656,000 |
| Noninterest income | 90,000 | 172,000 | 263,000 | 338,000 |
| Noninterest expense | 422,000 | 868,000 | 1,319,000 | 1,755,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 133,000 | 306,000 | 427,000 | 509,000 |
| Income tax | 49,000 | 113,000 | 158,000 | 188,000 |
| Net income | 84,000 | 193,000 | 269,000 | 321,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,874,000 | 3,986,000 | 4,065,000 | 4,120,000 |
| Total capital | 4,234,000 | 4,329,000 | 4,435,000 | 4,496,000 |
| Risk-weighted assets | 28,307,000 | 26,954,000 | 29,143,000 | 29,622,000 |