Call reports 2005
VISION BANK — 2005
What VISION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 168,403,000 | 190,841,000 | 201,741,000 | 206,435,000 |
| Total loans | 119,435,000 | 149,932,000 | 168,549,000 | 172,854,000 |
| Allowance for loan losses | 1,537,000 | 1,770,000 | 1,864,000 | 1,990,000 |
| Securities available for sale | 10,846,000 | 10,348,000 | 9,764,000 | 9,228,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 151,767,000 | 173,257,000 | 183,557,000 | 173,840,000 |
| Interest-bearing deposits | 130,218,000 | 152,338,000 | 159,905,000 | 152,243,000 |
| Noninterest-bearing deposits | 21,549,000 | 20,919,000 | 23,652,000 | 21,597,000 |
| Equity capital | 15,852,000 | 16,614,000 | 17,118,000 | 21,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,121,000 | 4,967,000 | 8,389,000 | 12,338,000 |
| Interest expense | 577,000 | 1,399,000 | 2,410,000 | 3,617,000 |
| Net interest income | 1,544,000 | 3,568,000 | 5,979,000 | 8,721,000 |
| Noninterest income | 124,000 | 326,000 | 642,000 | 965,000 |
| Noninterest expense | 1,413,000 | 3,082,000 | 4,866,000 | 6,833,000 |
| Provision for loan losses | 107,000 | 330,000 | 428,000 | 553,000 |
| Pretax income | 148,000 | 482,000 | 1,327,000 | 2,300,000 |
| Income tax | 61,000 | 167,000 | 503,000 | 857,000 |
| Net income | 87,000 | 315,000 | 824,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,122,000 | 12,937,000 | 13,464,000 | 18,074,000 |
| Total capital | 13,659,000 | 14,707,000 | 15,328,000 | 20,064,000 |
| Risk-weighted assets | 127,765,000 | 153,581,000 | 173,652,000 | 186,249,000 |