Call reports 2004
VISION BANK — 2004
What VISION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 48,232,000 | 52,449,000 | 50,157,000 | 129,851,000 |
| Total loans | 34,531,000 | 33,238,000 | 33,920,000 | 104,588,000 |
| Allowance for loan losses | 834,000 | 888,000 | 888,000 | 1,423,000 |
| Securities available for sale | 6,639,000 | 6,013,000 | 5,783,000 | 11,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,828,000 | 46,010,000 | 43,370,000 | 113,514,000 |
| Interest-bearing deposits | 31,576,000 | 35,202,000 | 33,914,000 | 96,731,000 |
| Noninterest-bearing deposits | 10,252,000 | 10,808,000 | 9,456,000 | 16,783,000 |
| Equity capital | 6,093,000 | 6,081,000 | 6,421,000 | 15,867,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 594,000 | 1,205,000 | 1,930,000 | 3,416,000 |
| Interest expense | 139,000 | 281,000 | 429,000 | 1,036,000 |
| Net interest income | 455,000 | 924,000 | 1,501,000 | 2,380,000 |
| Noninterest income | 76,000 | 146,000 | 382,000 | 334,000 |
| Noninterest expense | 404,000 | 797,000 | 1,167,000 | 3,058,000 |
| Provision for loan losses | 0 | 0 | 0 | 237,000 |
| Pretax income | 127,000 | 273,000 | 716,000 | -581,000 |
| Income tax | 47,000 | 101,000 | 265,000 | -231,000 |
| Net income | 80,000 | 172,000 | 451,000 | -350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,203,000 | 4,297,000 | 4,579,000 | 12,052,000 |
| Total capital | 4,621,000 | 4,728,000 | 5,014,000 | 13,413,000 |
| Risk-weighted assets | 33,040,000 | 34,019,000 | 34,373,000 | 108,811,000 |