Call reports 2010
VISION BANK — 2010
What VISION BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 542,161,000 | 552,616,000 | 540,651,000 | 574,396,000 |
| Total loans | 359,533,000 | 362,187,000 | 353,827,000 | 349,876,000 |
| Allowance for loan losses | 4,019,000 | 4,720,000 | 3,816,000 | 4,112,000 |
| Securities available for sale | 86,063,000 | 94,713,000 | 92,922,000 | 102,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 403,509,000 | 405,303,000 | 398,031,000 | 409,013,000 |
| Interest-bearing deposits | 390,096,000 | 390,950,000 | 382,208,000 | 392,071,000 |
| Noninterest-bearing deposits | 13,413,000 | 14,353,000 | 15,823,000 | 16,942,000 |
| Equity capital | 44,399,000 | 45,906,000 | 48,009,000 | 46,117,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 6,350,000 | 12,871,000 | 19,418,000 | 25,833,000 |
| Interest expense | 1,174,000 | 2,470,000 | 3,757,000 | 5,001,000 |
| Net interest income | 5,176,000 | 10,401,000 | 15,661,000 | 20,832,000 |
| Noninterest income | 1,129,000 | 2,463,000 | 3,844,000 | 5,503,000 |
| Noninterest expense | 4,425,000 | 9,124,000 | 13,820,000 | 18,402,000 |
| Provision for loan losses | 900,000 | 1,800,000 | 3,030,000 | 3,530,000 |
| Pretax income | 1,120,000 | 2,075,000 | 2,570,000 | 4,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,120,000 | 2,075,000 | 2,570,000 | 4,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,537,000 | 43,494,000 | 43,989,000 | 45,601,000 |
| Total capital | 46,556,000 | 48,214,000 | 47,838,000 | 49,748,000 |
| Risk-weighted assets | 395,103,000 | 389,365,000 | 380,388,000 | 376,503,000 |