Call reports 2006
VISION BANK — 2006
What VISION BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 421,379,000 | 413,326,000 | 407,759,000 | 410,300,000 |
| Total loans | 209,854,000 | 214,162,000 | 221,428,000 | 225,148,000 |
| Allowance for loan losses | 2,838,000 | 2,820,000 | 2,827,000 | 2,716,000 |
| Securities available for sale | 159,873,000 | 152,548,000 | 152,237,000 | 146,470,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,563,000 | 261,218,000 | 270,825,000 | 272,770,000 |
| Interest-bearing deposits | 210,661,000 | 209,271,000 | 216,610,000 | 226,096,000 |
| Noninterest-bearing deposits | 48,902,000 | 51,947,000 | 54,215,000 | 46,674,000 |
| Equity capital | 31,029,000 | 30,741,000 | 34,739,000 | 36,451,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,536,000 | 11,559,000 | 17,712,000 | 24,059,000 |
| Interest expense | 2,578,000 | 5,585,000 | 8,667,000 | 11,806,000 |
| Net interest income | 2,958,000 | 5,974,000 | 9,045,000 | 12,253,000 |
| Noninterest income | 1,373,000 | 2,552,000 | 3,787,000 | 4,900,000 |
| Noninterest expense | 2,551,000 | 5,269,000 | 8,044,000 | 10,946,000 |
| Provision for loan losses | 105,000 | 180,000 | 255,000 | 255,000 |
| Pretax income | 1,652,000 | 3,044,000 | 4,500,000 | 5,863,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 1,652,000 | 3,044,000 | 4,500,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,678,000 | 35,590,000 | 37,157,000 | 38,106,000 |
| Total capital | 37,516,000 | 38,410,000 | 39,984,000 | 40,822,000 |
| Risk-weighted assets | 287,816,000 | 290,968,000 | 295,162,000 | 297,327,000 |