Call reports 2004
VISION BANK — 2004
What VISION BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 330,356,000 | 339,829,000 | 354,668,000 | 363,443,000 |
| Total loans | 192,909,000 | 188,175,000 | 190,254,000 | 192,002,000 |
| Allowance for loan losses | 2,815,000 | 2,821,000 | 2,841,000 | 2,824,000 |
| Securities available for sale | 101,034,000 | 126,504,000 | 122,379,000 | 125,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,368,000 | 223,455,000 | 242,951,000 | 230,568,000 |
| Interest-bearing deposits | 186,243,000 | 186,470,000 | 206,948,000 | 189,999,000 |
| Noninterest-bearing deposits | 34,125,000 | 36,985,000 | 36,003,000 | 40,569,000 |
| Equity capital | 30,110,000 | 29,282,000 | 31,381,000 | 25,679,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 3,916,000 | 7,964,000 | 12,079,000 | 16,259,000 |
| Interest expense | 1,196,000 | 2,407,000 | 3,727,000 | 5,211,000 |
| Net interest income | 2,720,000 | 5,557,000 | 8,352,000 | 11,048,000 |
| Noninterest income | 934,000 | 2,000,000 | 2,954,000 | 3,959,000 |
| Noninterest expense | 2,321,000 | 4,553,000 | 6,824,000 | 10,023,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 525,000 |
| Pretax income | 1,193,000 | 2,766,000 | 4,149,000 | 4,606,000 |
| Income tax | 310,000 | 730,000 | 1,238,000 | 1,289,000 |
| Net income | 883,000 | 2,036,000 | 2,911,000 | 3,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,037,000 | 30,079,000 | 30,988,000 | 25,345,000 |
| Total capital | 31,659,000 | 32,728,000 | 33,663,000 | 28,129,000 |
| Risk-weighted assets | 209,570,000 | 211,730,000 | 213,795,000 | 222,668,000 |