Call reports 2005
VISTA BANK — 2005
What VISTA BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 122,704,000 | 119,210,000 | 121,752,000 | 129,484,000 |
| Total loans | 51,650,000 | 65,570,000 | 76,210,000 | 64,516,000 |
| Allowance for loan losses | 1,086,000 | 1,113,000 | 1,130,000 | 1,180,000 |
| Securities available for sale | 44,530,000 | 40,244,000 | 33,388,000 | 36,487,000 |
| Securities held to maturity | 327,000 | 327,000 | 327,000 | 327,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,873,000 | 106,064,000 | 103,472,000 | 116,781,000 |
| Interest-bearing deposits | 79,594,000 | 77,942,000 | 77,607,000 | 80,502,000 |
| Noninterest-bearing deposits | 30,279,000 | 28,122,000 | 25,865,000 | 36,280,000 |
| Equity capital | 12,424,000 | 12,664,000 | 13,075,000 | 12,162,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,402,000 | 2,946,000 | 4,706,000 | 6,547,000 |
| Interest expense | 221,000 | 505,000 | 835,000 | 1,185,000 |
| Net interest income | 1,181,000 | 2,441,000 | 3,871,000 | 5,362,000 |
| Noninterest income | 234,000 | 499,000 | 926,000 | 1,240,000 |
| Noninterest expense | 1,116,000 | 2,393,000 | 3,648,000 | 4,899,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 254,000 | 457,000 | 1,011,000 | 1,513,000 |
| Income tax | 0 | 0 | 45,000 | 45,000 |
| Net income | 254,000 | 457,000 | 966,000 | 1,468,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,413,000 | 10,324,000 | 10,832,000 | 10,186,000 |
| Total capital | 10,227,000 | 11,275,000 | 11,906,000 | 11,155,000 |
| Risk-weighted assets | 64,818,000 | 76,108,000 | 85,561,000 | 77,542,000 |
Machine access — free, no API key
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