Call reports 2010
VISTA BANK — 2010
What VISTA BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 184,080,000 | 178,093,000 | 181,481,000 | 206,611,000 |
| Total loans | 85,122,000 | 108,934,000 | 126,478,000 | 111,784,000 |
| Allowance for loan losses | 1,306,000 | 1,228,000 | 1,305,000 | 1,261,000 |
| Securities available for sale | 41,777,000 | 37,863,000 | 28,924,000 | 35,609,000 |
| Securities held to maturity | 162,000 | 162,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 168,545,000 | 162,289,000 | 164,277,000 | 190,549,000 |
| Interest-bearing deposits | 99,220,000 | 97,320,000 | 130,539,000 | 94,702,000 |
| Noninterest-bearing deposits | 69,325,000 | 64,969,000 | 33,738,000 | 95,847,000 |
| Equity capital | 14,770,000 | 14,753,000 | 15,221,000 | 15,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,738,000 | 3,716,000 | 6,050,000 | 8,306,000 |
| Interest expense | 412,000 | 859,000 | 1,296,000 | 1,696,000 |
| Net interest income | 1,326,000 | 2,857,000 | 4,754,000 | 6,610,000 |
| Noninterest income | 401,000 | 784,000 | 1,181,000 | 1,668,000 |
| Noninterest expense | 1,801,000 | 3,827,000 | 5,795,000 | 7,964,000 |
| Provision for loan losses | 0 | 0 | 120,000 | 120,000 |
| Pretax income | -74,000 | -186,000 | 112,000 | 286,000 |
| Income tax | -231,000 | -315,000 | -254,000 | -236,000 |
| Net income | 157,000 | 129,000 | 366,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,996,000 | 11,968,000 | 12,205,000 | 13,360,000 |
| Total capital | 13,302,000 | 13,196,000 | 13,510,000 | 14,621,000 |
| Risk-weighted assets | 109,478,000 | 127,176,000 | 143,590,000 | 133,849,000 |