Call reports 2009
VISION BANK — 2009
What VISION BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 496,951,000 | 496,906,000 | 502,184,000 | 513,860,000 |
| Total loans | 335,767,000 | 337,214,000 | 347,533,000 | 356,638,000 |
| Allowance for loan losses | 3,789,000 | 4,420,000 | 5,204,000 | 5,880,000 |
| Securities available for sale | 99,359,000 | 98,000,000 | 99,012,000 | 86,178,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,147,000 | 363,187,000 | 371,142,000 | 373,911,000 |
| Interest-bearing deposits | 356,598,000 | 349,141,000 | 353,054,000 | 358,550,000 |
| Noninterest-bearing deposits | 12,549,000 | 14,046,000 | 18,088,000 | 15,361,000 |
| Equity capital | 38,264,000 | 40,700,000 | 44,781,000 | 46,205,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,711,000 | 13,200,000 | 19,769,000 | 26,341,000 |
| Interest expense | 1,622,000 | 3,057,000 | 4,358,000 | 5,543,000 |
| Net interest income | 5,089,000 | 10,143,000 | 15,411,000 | 20,798,000 |
| Noninterest income | 1,295,000 | 2,649,000 | 3,822,000 | 5,061,000 |
| Noninterest expense | 3,909,000 | 8,332,000 | 12,708,000 | 17,114,000 |
| Provision for loan losses | 600,000 | 1,500,000 | 2,400,000 | 3,300,000 |
| Pretax income | 1,864,000 | 2,898,000 | 3,801,000 | 5,644,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,864,000 | 2,898,000 | 3,801,000 | 5,644,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,368,000 | 41,571,000 | 42,270,000 | 43,908,000 |
| Total capital | 45,157,000 | 45,991,000 | 47,001,000 | 48,749,000 |
| Risk-weighted assets | 391,210,000 | 420,573,000 | 430,495,000 | 418,517,000 |