Call reports 2006
VISION BANK — 2006
What VISION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 241,998,000 | 253,998,000 | 274,994,000 | 276,503,000 |
| Total loans | 195,998,000 | 213,517,000 | 221,836,000 | 230,252,000 |
| Allowance for loan losses | 2,191,000 | 2,282,000 | 2,262,000 | 2,356,000 |
| Securities available for sale | 9,930,000 | 9,536,000 | 9,278,000 | 9,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 207,523,000 | 217,344,000 | 237,294,000 | 238,689,000 |
| Interest-bearing deposits | 185,124,000 | 194,967,000 | 232,617,000 | 233,932,000 |
| Noninterest-bearing deposits | 22,399,000 | 22,377,000 | 4,677,000 | 4,757,000 |
| Equity capital | 23,015,000 | 24,627,000 | 25,548,000 | 26,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,294,000 | 9,524,000 | 15,467,000 | 21,384,000 |
| Interest expense | 1,565,000 | 3,698,000 | 6,231,000 | 8,993,000 |
| Net interest income | 2,729,000 | 5,826,000 | 9,236,000 | 12,391,000 |
| Noninterest income | 255,000 | 591,000 | 985,000 | 1,410,000 |
| Noninterest expense | 1,999,000 | 4,088,000 | 6,277,000 | 8,489,000 |
| Provision for loan losses | 200,000 | 300,000 | 300,000 | 415,000 |
| Pretax income | 785,000 | 2,029,000 | 3,644,000 | 4,897,000 |
| Income tax | 293,000 | 760,000 | 1,366,000 | 1,837,000 |
| Net income | 492,000 | 1,269,000 | 2,278,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,482,000 | 21,160,000 | 22,046,000 | 22,707,000 |
| Total capital | 21,673,000 | 23,442,000 | 24,308,000 | 25,063,000 |
| Risk-weighted assets | 207,205,000 | 222,976,000 | 228,285,000 | 237,986,000 |