Call reports 2013
VISION BANK — 2013
What VISION BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 647,332,000 | 631,832,000 | 625,595,000 | 639,898,000 |
| Total loans | 371,268,000 | 372,331,000 | 372,414,000 | 372,461,000 |
| Allowance for loan losses | 3,696,000 | 3,915,000 | 3,939,000 | 3,928,000 |
| Securities available for sale | 178,532,000 | 178,549,000 | 194,905,000 | 192,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 495,716,000 | 471,382,000 | 470,598,000 | 472,190,000 |
| Interest-bearing deposits | 471,318,000 | 454,523,000 | 459,360,000 | 448,731,000 |
| Noninterest-bearing deposits | 24,398,000 | 16,859,000 | 11,238,000 | 23,459,000 |
| Equity capital | 57,409,000 | 55,391,000 | 55,488,000 | 57,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,461,000 | 12,812,000 | 19,195,000 | 25,598,000 |
| Interest expense | 850,000 | 1,658,000 | 2,437,000 | 3,192,000 |
| Net interest income | 5,611,000 | 11,154,000 | 16,758,000 | 22,406,000 |
| Noninterest income | 1,586,000 | 3,174,000 | 4,643,000 | 5,946,000 |
| Noninterest expense | 5,333,000 | 10,774,000 | 16,208,000 | 21,367,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,025,000 | 1,400,000 |
| Pretax income | 1,484,000 | 2,799,000 | 4,163,000 | 5,580,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,484,000 | 2,799,000 | 4,163,000 | 5,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,786,000 | 55,855,000 | 56,976,000 | 58,148,000 |
| Total capital | 58,504,000 | 59,793,000 | 60,937,000 | 62,098,000 |
| Risk-weighted assets | 397,881,000 | 398,798,000 | 401,644,000 | 401,340,000 |