Call reports 2007
VISION BANK — 2007
What VISION BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 429,735,000 | 450,722,000 | 478,783,000 | 493,923,000 |
| Total loans | 238,270,000 | 245,005,000 | 259,262,000 | 268,922,000 |
| Allowance for loan losses | 2,752,000 | 2,785,000 | 2,792,000 | 2,803,000 |
| Securities available for sale | 144,739,000 | 159,976,000 | 166,697,000 | 156,665,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,127,000 | 283,446,000 | 291,699,000 | 299,130,000 |
| Interest-bearing deposits | 235,333,000 | 236,625,000 | 239,700,000 | 245,537,000 |
| Noninterest-bearing deposits | 50,794,000 | 46,821,000 | 51,998,000 | 53,593,000 |
| Equity capital | 36,172,000 | 35,802,000 | 38,529,000 | 38,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,478,000 | 13,342,000 | 20,860,000 | 28,652,000 |
| Interest expense | 3,152,000 | 6,565,000 | 10,358,000 | 14,082,000 |
| Net interest income | 3,326,000 | 6,777,000 | 10,502,000 | 14,570,000 |
| Noninterest income | 1,087,000 | 2,327,000 | 3,532,000 | 4,750,000 |
| Noninterest expense | 2,961,000 | 5,963,000 | 9,183,000 | 12,538,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 330,000 |
| Pretax income | 1,313,000 | 2,942,000 | 4,592,000 | 4,754,000 |
| Income tax | -26,000 | -26,000 | -26,000 | -54,000 |
| Net income | 1,339,000 | 2,968,000 | 4,618,000 | 4,808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,448,000 | 38,528,000 | 39,271,000 | 39,206,000 |
| Total capital | 40,200,000 | 41,313,000 | 42,063,000 | 42,009,000 |
| Risk-weighted assets | 320,519,000 | 331,720,000 | 376,295,000 | 385,840,000 |