Call reports 2014
VISION BANK — 2014
What VISION BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 665,095,000 | 657,555,000 | 650,968,000 | 653,775,000 |
| Total loans | 372,615,000 | 377,681,000 | 380,963,000 | 385,045,000 |
| Allowance for loan losses | 4,188,000 | 4,056,000 | 4,644,000 | 4,972,000 |
| Securities available for sale | 225,948,000 | 222,086,000 | 216,642,000 | 215,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 476,484,000 | 475,542,000 | 477,459,000 | 484,841,000 |
| Interest-bearing deposits | 452,043,000 | 451,517,000 | 452,629,000 | 459,264,000 |
| Noninterest-bearing deposits | 24,441,000 | 24,025,000 | 24,830,000 | 25,577,000 |
| Equity capital | 55,662,000 | 58,541,000 | 60,330,000 | 63,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,165,000 | 12,530,000 | 19,039,000 | 25,447,000 |
| Interest expense | 730,000 | 1,462,000 | 2,179,000 | 2,879,000 |
| Net interest income | 5,435,000 | 11,068,000 | 16,860,000 | 22,568,000 |
| Noninterest income | 1,596,000 | 3,369,000 | 5,141,000 | 6,839,000 |
| Noninterest expense | 5,304,000 | 10,639,000 | 16,144,000 | 21,533,000 |
| Provision for loan losses | 375,000 | 750,000 | 1,125,000 | 1,500,000 |
| Pretax income | 1,365,000 | 3,037,000 | 4,724,000 | 7,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,365,000 | 3,037,000 | 4,724,000 | 7,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,910,000 | 57,128,000 | 58,567,000 | 60,672,000 |
| Total capital | 60,120,000 | 61,206,000 | 63,233,000 | 65,666,000 |
| Risk-weighted assets | 411,582,000 | 415,636,000 | 417,400,000 | 419,127,000 |