Call reports 2012
VISION BANK — 2012
What VISION BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 538,438,000 | 525,201,000 | 533,487,000 | 635,520,000 |
| Total loans | 342,293,000 | 339,294,000 | 339,522,000 | 375,282,000 |
| Allowance for loan losses | 4,299,000 | 4,139,000 | 3,665,000 | 3,365,000 |
| Securities available for sale | 133,913,000 | 125,574,000 | 117,542,000 | 148,453,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,469,000 | 391,825,000 | 390,881,000 | 486,636,000 |
| Interest-bearing deposits | 371,130,000 | 368,985,000 | 367,716,000 | 459,278,000 |
| Noninterest-bearing deposits | 23,338,000 | 22,840,000 | 23,165,000 | 27,358,000 |
| Equity capital | 52,189,000 | 52,699,000 | 54,264,000 | 55,049,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,115,000 | 12,176,000 | 18,174,000 | 24,440,000 |
| Interest expense | 941,000 | 1,850,000 | 2,749,000 | 3,626,000 |
| Net interest income | 5,174,000 | 10,326,000 | 15,425,000 | 20,814,000 |
| Noninterest income | 1,343,000 | 2,699,000 | 4,123,000 | 5,662,000 |
| Noninterest expense | 4,609,000 | 9,422,000 | 14,091,000 | 19,325,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 1,608,000 | 3,003,000 | 4,856,000 | 6,301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,608,000 | 3,003,000 | 4,856,000 | 6,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,925,000 | 49,876,000 | 51,447,000 | 51,804,000 |
| Total capital | 53,246,000 | 54,037,000 | 55,134,000 | 55,191,000 |
| Risk-weighted assets | 368,149,000 | 361,051,000 | 355,287,000 | 412,943,000 |