Call reports 2008
VISION BANK — 2008
What VISION BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 485,260,000 | 461,776,000 | 484,308,000 | 488,314,000 |
| Total loans | 281,838,000 | 291,230,000 | 319,259,000 | 335,808,000 |
| Allowance for loan losses | 2,916,000 | 3,000,000 | 3,215,000 | 3,280,000 |
| Securities available for sale | 136,912,000 | 123,206,000 | 114,649,000 | 103,551,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 313,535,000 | 306,644,000 | 324,194,000 | 359,646,000 |
| Interest-bearing deposits | 254,430,000 | 289,217,000 | 308,186,000 | 346,146,000 |
| Noninterest-bearing deposits | 59,105,000 | 17,427,000 | 16,007,000 | 13,501,000 |
| Equity capital | 41,429,000 | 40,589,000 | 38,874,000 | 39,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 7,482,000 | 14,442,000 | 21,408,000 | 28,473,000 |
| Interest expense | 2,965,000 | 5,298,000 | 7,566,000 | 9,792,000 |
| Net interest income | 4,517,000 | 9,144,000 | 13,842,000 | 18,681,000 |
| Noninterest income | 2,774,000 | 5,018,000 | 6,311,000 | 7,377,000 |
| Noninterest expense | 3,432,000 | 6,919,000 | 10,788,000 | 14,965,000 |
| Provision for loan losses | 150,000 | 300,000 | 600,000 | 901,000 |
| Pretax income | 2,673,000 | 5,907,000 | 6,607,000 | 6,187,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,673,000 | 5,907,000 | 6,607,000 | 6,187,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,001,000 | 42,604,000 | 43,391,000 | 42,553,000 |
| Total capital | 42,917,000 | 45,604,000 | 46,606,000 | 45,833,000 |
| Risk-weighted assets | 393,174,000 | 395,831,000 | 413,506,000 | 435,439,000 |