Call reports 2015
VISION BANK — 2015
What VISION BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 658,429,000 | 651,334,000 | 636,684,000 | 635,803,000 |
| Total loans | 386,632,000 | 390,846,000 | 394,124,000 | 397,821,000 |
| Allowance for loan losses | 5,327,000 | 5,498,000 | 5,628,000 | 5,621,000 |
| Securities available for sale | 207,456,000 | 198,697,000 | 188,714,000 | 163,194,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,816,000 | 482,007,000 | 465,574,000 | 472,559,000 |
| Interest-bearing deposits | 465,556,000 | 458,521,000 | 446,130,000 | 451,327,000 |
| Noninterest-bearing deposits | 21,260,000 | 23,486,000 | 19,444,000 | 21,232,000 |
| Equity capital | 61,684,000 | 61,467,000 | 63,487,000 | 64,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,236,000 | 12,476,000 | 18,720,000 | 24,959,000 |
| Interest expense | 660,000 | 1,312,000 | 1,891,000 | 2,450,000 |
| Net interest income | 5,576,000 | 11,164,000 | 16,829,000 | 22,509,000 |
| Noninterest income | 1,570,000 | 3,165,000 | 4,899,000 | 6,676,000 |
| Noninterest expense | 5,375,000 | 10,748,000 | 16,220,000 | 21,767,000 |
| Provision for loan losses | 375,000 | 750,000 | 975,000 | 1,125,000 |
| Pretax income | 1,396,000 | 3,118,000 | 4,835,000 | 6,669,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,396,000 | 3,118,000 | 4,835,000 | 6,669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,423,000 | 59,591,000 | 60,973,000 | 62,129,000 |
| Total capital | 63,696,000 | 64,884,000 | 66,242,000 | 67,413,000 |
| Risk-weighted assets | 421,793,000 | 423,232,000 | 421,153,000 | 422,213,000 |