Call reports 2005
VISION BANK — 2005
What VISION BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 376,869,000 | 386,896,000 | 388,449,000 | 397,823,000 |
| Total loans | 190,605,000 | 192,174,000 | 188,397,000 | 195,252,000 |
| Allowance for loan losses | 2,819,000 | 2,744,000 | 2,731,000 | 2,788,000 |
| Securities available for sale | 163,080,000 | 167,255,000 | 164,907,000 | 165,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,782,000 | 258,514,000 | 264,146,000 | 267,136,000 |
| Interest-bearing deposits | 194,197,000 | 203,171,000 | 210,649,000 | 207,297,000 |
| Noninterest-bearing deposits | 42,585,000 | 55,343,000 | 53,497,000 | 59,839,000 |
| Equity capital | 24,463,000 | 31,419,000 | 32,294,000 | 32,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,479,000 | 9,325,000 | 14,258,000 | 19,463,000 |
| Interest expense | 1,763,000 | 3,683,000 | 5,779,000 | 8,010,000 |
| Net interest income | 2,716,000 | 5,642,000 | 8,479,000 | 11,453,000 |
| Noninterest income | 987,000 | 1,970,000 | 4,090,000 | 5,215,000 |
| Noninterest expense | 2,290,000 | 4,805,000 | 7,235,000 | 9,743,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 1,130,000 | 2,394,000 | 4,740,000 | 6,269,000 |
| Income tax | 153,000 | 312,000 | 470,000 | 628,000 |
| Net income | 977,000 | 2,082,000 | 4,270,000 | 5,641,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,280,000 | 31,428,000 | 33,576,000 | 34,942,000 |
| Total capital | 29,099,000 | 34,172,000 | 36,307,000 | 37,730,000 |
| Risk-weighted assets | 227,749,000 | 227,937,000 | 228,754,000 | 240,081,000 |