Call reports 2016
VISION BANK — 2016
What VISION BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 627,951,000 | 629,177,000 | 624,827,000 | 628,994,000 |
| Total loans | 405,659,000 | 408,119,000 | 421,879,000 | 426,883,000 |
| Allowance for loan losses | 5,745,000 | 5,874,000 | 5,740,000 | 5,813,000 |
| Securities available for sale | 159,771,000 | 164,615,000 | 154,818,000 | 142,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 481,636,000 | 490,990,000 | 488,174,000 | 491,548,000 |
| Interest-bearing deposits | 463,035,000 | 470,520,000 | 467,532,000 | 470,743,000 |
| Noninterest-bearing deposits | 18,601,000 | 20,470,000 | 20,642,000 | 20,805,000 |
| Equity capital | 62,872,000 | 64,796,000 | 65,703,000 | 63,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 6,073,000 | 12,394,000 | 18,674,000 | 24,931,000 |
| Interest expense | 543,000 | 1,093,000 | 1,645,000 | 2,189,000 |
| Net interest income | 5,530,000 | 11,301,000 | 17,029,000 | 22,742,000 |
| Noninterest income | 1,560,000 | 3,192,000 | 4,976,000 | 6,824,000 |
| Noninterest expense | 5,733,000 | 11,343,000 | 17,129,000 | 23,009,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,207,000 | 2,870,000 | 4,492,000 | 6,033,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,207,000 | 2,870,000 | 4,492,000 | 6,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,693,000 | 60,821,000 | 62,150,000 | 63,362,000 |
| Total capital | 65,016,000 | 66,208,000 | 67,615,000 | 68,966,000 |
| Risk-weighted assets | 425,316,000 | 430,461,000 | 436,873,000 | 448,205,000 |