Call reports 2004
VISTA BANK — 2004
What VISTA BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 118,448,000 | 118,734,000 | 122,373,000 | 117,467,000 |
| Total loans | 52,339,000 | 61,902,000 | 74,099,000 | 65,004,000 |
| Allowance for loan losses | 1,162,000 | 1,119,000 | 1,098,000 | 1,063,000 |
| Securities available for sale | 47,863,000 | 44,272,000 | 36,777,000 | 34,942,000 |
| Securities held to maturity | 1,399,000 | 399,000 | 349,000 | 349,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,573,000 | 98,254,000 | 100,197,000 | 104,310,000 |
| Interest-bearing deposits | 80,833,000 | 75,521,000 | 79,308,000 | 77,499,000 |
| Noninterest-bearing deposits | 23,740,000 | 22,734,000 | 20,889,000 | 26,811,000 |
| Equity capital | 13,417,000 | 12,537,000 | 13,236,000 | 12,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,317,000 | 2,658,000 | 4,167,000 | 5,697,000 |
| Interest expense | 204,000 | 395,000 | 630,000 | 860,000 |
| Net interest income | 1,113,000 | 2,263,000 | 3,537,000 | 4,837,000 |
| Noninterest income | 269,000 | 559,000 | 863,000 | 1,129,000 |
| Noninterest expense | 1,254,000 | 2,491,000 | 3,690,000 | 5,001,000 |
| Provision for loan losses | 90,000 | 90,000 | 90,000 | 90,000 |
| Pretax income | 38,000 | 257,000 | 647,000 | 902,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 38,000 | 257,000 | 647,000 | 902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,039,000 | 10,259,000 | 10,449,000 | 10,029,000 |
| Total capital | 11,653,000 | 11,159,000 | 11,496,000 | 10,974,000 |
| Risk-weighted assets | 64,543,000 | 71,821,000 | 82,625,000 | 75,474,000 |
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