Call reports 2009
VISTA BANK — 2009
What VISTA BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 143,513,000 | 142,152,000 | 157,039,000 | 166,200,000 |
| Total loans | 60,636,000 | 78,508,000 | 98,480,000 | 86,087,000 |
| Allowance for loan losses | 1,409,000 | 1,348,000 | 1,348,000 | 1,328,000 |
| Securities available for sale | 57,490,000 | 46,041,000 | 33,419,000 | 29,844,000 |
| Securities held to maturity | 228,000 | 190,000 | 190,000 | 190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,715,000 | 124,800,000 | 125,204,000 | 150,820,000 |
| Interest-bearing deposits | 93,689,000 | 91,739,000 | 96,403,000 | 109,744,000 |
| Noninterest-bearing deposits | 35,026,000 | 33,061,000 | 28,801,000 | 41,076,000 |
| Equity capital | 14,360,000 | 14,243,000 | 15,105,000 | 14,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,636,000 | 3,314,000 | 5,284,000 | 7,211,000 |
| Interest expense | 388,000 | 698,000 | 1,005,000 | 1,338,000 |
| Net interest income | 1,248,000 | 2,616,000 | 4,279,000 | 5,873,000 |
| Noninterest income | 314,000 | 634,000 | 994,000 | 1,385,000 |
| Noninterest expense | 1,595,000 | 3,158,000 | 5,014,000 | 7,136,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -33,000 | 302,000 | 596,000 | 501,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -33,000 | 302,000 | 596,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,339,000 | 11,648,000 | 11,943,000 | 11,839,000 |
| Total capital | 12,327,000 | 12,825,000 | 13,218,000 | 13,154,000 |
| Risk-weighted assets | 78,389,000 | 94,292,000 | 113,701,000 | 106,548,000 |
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