Call reports 2011
VISION BANK — 2011
What VISION BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 787,811,000 | 738,630,000 | 692,442,000 | 653,057,000 |
| Total loans | 626,748,000 | 565,109,000 | 549,198,000 | 492,877,000 |
| Allowance for loan losses | 72,477,000 | 47,246,000 | 41,487,000 | 23,839,000 |
| Securities available for sale | 82,626,000 | 88,074,000 | 85,583,000 | 100,918,000 |
| Securities held to maturity | 34,918,000 | 32,018,000 | 28,738,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 596,762,000 | 581,299,000 | 542,331,000 | 532,499,000 |
| Interest-bearing deposits | 509,246,000 | 486,814,000 | 457,937,000 | 452,604,000 |
| Noninterest-bearing deposits | 87,516,000 | 94,485,000 | 84,394,000 | 79,895,000 |
| Equity capital | 112,217,000 | 119,100,000 | 120,872,000 | 111,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 8,073,000 | 16,219,000 | 23,783,000 | 31,581,000 |
| Interest expense | 1,318,000 | 2,379,000 | 3,534,000 | 4,502,000 |
| Net interest income | 6,755,000 | 13,840,000 | 20,249,000 | 27,079,000 |
| Noninterest income | -1,320,000 | -1,491,000 | 525,000 | 1,420,000 |
| Noninterest expense | 7,423,000 | 15,684,000 | 22,866,000 | 31,597,000 |
| Provision for loan losses | 8,600,000 | 15,616,000 | 22,529,000 | 30,833,000 |
| Pretax income | -10,588,000 | -17,123,000 | -22,793,000 | -28,736,000 |
| Income tax | -3,742,000 | -6,057,000 | -8,064,000 | -6,210,000 |
| Net income | -6,846,000 | -11,066,000 | -14,729,000 | -22,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,857,000 | 105,762,000 | 108,742,000 | 109,566,000 |
| Total capital | 78,953,000 | 113,068,000 | 115,643,000 | 115,637,000 |
| Risk-weighted assets | 583,219,000 | 544,504,000 | 517,447,000 | 467,842,000 |