Call reports 2007
VISTA BANK — 2007
What VISTA BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 125,732,000 | 119,171,000 | 116,482,000 | 130,528,000 |
| Total loans | 50,546,000 | 61,648,000 | 68,672,000 | 57,113,000 |
| Allowance for loan losses | 1,394,000 | 1,429,000 | 1,474,000 | 1,468,000 |
| Securities available for sale | 29,080,000 | 36,969,000 | 34,413,000 | 48,195,000 |
| Securities held to maturity | 280,000 | 280,000 | 280,000 | 280,000 |
| Trading assets | 11,316,000 | 4,435,000 | 0 | 0 |
| Total deposits | 112,298,000 | 105,878,000 | 102,191,000 | 116,311,000 |
| Interest-bearing deposits | 83,085,000 | 80,303,000 | 76,591,000 | 81,745,000 |
| Noninterest-bearing deposits | 29,213,000 | 25,575,000 | 25,600,000 | 34,566,000 |
| Equity capital | 12,875,000 | 12,623,000 | 12,972,000 | 13,539,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,924,000 | 3,926,000 | 5,946,000 | 7,905,000 |
| Interest expense | 538,000 | 1,099,000 | 1,651,000 | 2,218,000 |
| Net interest income | 1,386,000 | 2,827,000 | 4,295,000 | 5,687,000 |
| Noninterest income | 389,000 | 716,000 | 1,077,000 | 1,444,000 |
| Noninterest expense | 1,313,000 | 2,584,000 | 3,862,000 | 5,274,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 135,000 |
| Pretax income | 417,000 | 900,000 | 1,414,000 | 1,773,000 |
| Income tax | 10,000 | 10,000 | 10,000 | 10,000 |
| Net income | 407,000 | 890,000 | 1,404,000 | 1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,406,000 | 10,579,000 | 10,392,000 | 10,660,000 |
| Total capital | 11,244,000 | 11,513,000 | 11,387,000 | 11,593,000 |
| Risk-weighted assets | 66,506,000 | 74,738,000 | 80,219,000 | 74,197,000 |
Machine access — free, no API key
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