Call reports 2003
VISION BANK — 2003
What VISION BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 296,719,000 | 300,483,000 | 310,312,000 | 321,632,000 |
| Total loans | 188,826,000 | 191,059,000 | 196,212,000 | 197,016,000 |
| Allowance for loan losses | 2,691,000 | 2,701,000 | 2,835,000 | 2,754,000 |
| Securities available for sale | 84,140,000 | 79,836,000 | 91,367,000 | 101,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 209,714,000 | 211,127,000 | 220,522,000 | 219,615,000 |
| Interest-bearing deposits | 176,688,000 | 177,879,000 | 182,029,000 | 183,127,000 |
| Noninterest-bearing deposits | 33,026,000 | 33,248,000 | 38,493,000 | 36,488,000 |
| Equity capital | 30,208,000 | 29,415,000 | 30,471,000 | 28,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,037,000 | 7,999,000 | 11,788,000 | 15,776,000 |
| Interest expense | 1,274,000 | 2,488,000 | 3,664,000 | 4,858,000 |
| Net interest income | 2,763,000 | 5,511,000 | 8,124,000 | 10,918,000 |
| Noninterest income | 1,086,000 | 2,121,000 | 3,346,000 | 4,345,000 |
| Noninterest expense | 2,217,000 | 7,066,000 | 8,868,000 | 10,862,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,488,000 | 628,000 | 2,806,000 | 4,464,000 |
| Income tax | 496,000 | 205,000 | 887,000 | 1,200,000 |
| Net income | 992,000 | 423,000 | 1,919,000 | 3,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,859,000 | 28,220,000 | 29,804,000 | 28,156,000 |
| Total capital | 31,415,000 | 30,795,000 | 32,416,000 | 30,800,000 |
| Risk-weighted assets | 204,389,000 | 206,027,000 | 208,720,000 | 211,168,000 |