Call reports 2002
VISION BANK — 2002
What VISION BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 283,123,000 | 285,385,000 | 292,125,000 | 293,992,000 |
| Total loans | 175,713,000 | 179,194,000 | 186,152,000 | 187,113,000 |
| Allowance for loan losses | 2,316,000 | 2,590,000 | 2,632,000 | 2,717,000 |
| Securities available for sale | 84,093,000 | 88,523,000 | 83,208,000 | 84,864,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,527,000 | 207,562,000 | 209,596,000 | 210,681,000 |
| Interest-bearing deposits | 175,995,000 | 175,340,000 | 177,129,000 | 178,357,000 |
| Noninterest-bearing deposits | 30,532,000 | 32,222,000 | 32,467,000 | 32,324,000 |
| Equity capital | 27,611,000 | 29,602,000 | 30,805,000 | 29,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 4,387,000 | 8,845,000 | 13,252,000 | 17,627,000 |
| Interest expense | 1,546,000 | 3,047,000 | 4,573,000 | 6,001,000 |
| Net interest income | 2,841,000 | 5,798,000 | 8,679,000 | 11,626,000 |
| Noninterest income | 878,000 | 1,875,000 | 2,872,000 | 4,156,000 |
| Noninterest expense | 2,027,000 | 4,148,000 | 6,495,000 | 8,722,000 |
| Provision for loan losses | 300,000 | 600,000 | 750,000 | 900,000 |
| Pretax income | 1,461,000 | 2,996,000 | 4,434,000 | 6,181,000 |
| Income tax | 437,000 | 924,000 | 1,383,000 | 1,872,000 |
| Net income | 1,024,000 | 2,072,000 | 3,051,000 | 4,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,383,000 | 28,428,000 | 29,388,000 | 27,856,000 |
| Total capital | 29,699,000 | 30,831,000 | 31,839,000 | 30,323,000 |
| Risk-weighted assets | 190,734,000 | 191,464,000 | 195,891,000 | 197,127,000 |