Call reports 2007
VISION BANK — 2007
What VISION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 331,084,000 | 332,529,000 | 891,675,000 | 859,214,000 |
| Total loans | 238,428,000 | 258,843,000 | 616,572,000 | 639,097,000 |
| Allowance for loan losses | 3,496,000 | 3,564,000 | 9,627,000 | 20,157,000 |
| Securities available for sale | 10,583,000 | 10,995,000 | 112,254,000 | 109,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,655,000 | 254,625,000 | 648,702,000 | 656,199,000 |
| Interest-bearing deposits | 230,715,000 | 232,871,000 | 576,849,000 | 590,164,000 |
| Noninterest-bearing deposits | 19,940,000 | 21,754,000 | 71,852,000 | 66,034,000 |
| Equity capital | 73,148,000 | 73,760,000 | 187,591,000 | 126,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,434,000 | 7,422,000 | 32,937,000 | 46,395,000 |
| Interest expense | 677,000 | 3,531,000 | 15,263,000 | 22,741,000 |
| Net interest income | 757,000 | 3,891,000 | 17,674,000 | 23,654,000 |
| Noninterest income | 110,000 | 455,000 | 2,534,000 | 3,630,000 |
| Noninterest expense | 612,000 | 3,070,000 | 13,057,000 | 72,647,000 |
| Provision for loan losses | 0 | 25,000 | 2,505,000 | 19,425,000 |
| Pretax income | 255,000 | 1,251,000 | 4,646,000 | -64,788,000 |
| Income tax | 98,000 | 480,000 | 1,731,000 | -4,107,000 |
| Net income | 157,000 | 771,000 | 2,915,000 | -60,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,074,000 | 25,614,000 | 66,567,000 | 59,533,000 |
| Total capital | 28,171,000 | 28,896,000 | 74,548,000 | 67,938,000 |
| Risk-weighted assets | 247,411,000 | 262,277,000 | 645,637,000 | 660,682,000 |