Call reports 2011
VISTA BANK — 2011
What VISTA BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 211,368,000 | 210,517,000 | 209,148,000 | 226,658,000 |
| Total loans | 104,722,000 | 122,370,000 | 130,149,000 | 116,270,000 |
| Allowance for loan losses | 1,182,000 | 1,280,000 | 1,415,000 | 1,483,000 |
| Securities available for sale | 56,245,000 | 54,176,000 | 48,259,000 | 66,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,277,000 | 180,502,000 | 180,883,000 | 199,349,000 |
| Interest-bearing deposits | 143,976,000 | 135,599,000 | 138,454,000 | 142,240,000 |
| Noninterest-bearing deposits | 49,301,000 | 44,903,000 | 42,429,000 | 57,109,000 |
| Equity capital | 17,515,000 | 19,742,000 | 26,721,000 | 25,564,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,058,000 | 4,339,000 | 6,873,000 | 9,322,000 |
| Interest expense | 347,000 | 668,000 | 980,000 | 1,291,000 |
| Net interest income | 1,711,000 | 3,671,000 | 5,893,000 | 8,031,000 |
| Noninterest income | 349,000 | 2,143,000 | 2,600,000 | 3,038,000 |
| Noninterest expense | 2,041,000 | 4,152,000 | 6,248,000 | 8,693,000 |
| Provision for loan losses | 0 | 80,000 | 200,000 | 542,000 |
| Pretax income | 19,000 | 1,582,000 | 2,045,000 | 2,096,000 |
| Income tax | -45,000 | 429,000 | 577,000 | 500,000 |
| Net income | 64,000 | 1,153,000 | 1,468,000 | 1,596,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,352,000 | 16,442,000 | 22,756,000 | 21,860,000 |
| Total capital | 16,534,000 | 17,722,000 | 24,171,000 | 23,343,000 |
| Risk-weighted assets | 132,428,000 | 145,785,000 | 144,399,000 | 135,977,000 |