Call reports 2012
VISTA BANK — 2012
What VISTA BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 227,632,000 | 219,338,000 | 215,503,000 | 239,797,000 |
| Total loans | 113,485,000 | 126,887,000 | 141,470,000 | 128,299,000 |
| Allowance for loan losses | 1,583,000 | 1,423,000 | 1,640,000 | 1,761,000 |
| Securities available for sale | 67,055,000 | 63,580,000 | 48,997,000 | 50,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,279,000 | 192,043,000 | 186,655,000 | 212,269,000 |
| Interest-bearing deposits | 147,684,000 | 146,672,000 | 144,393,000 | 155,069,000 |
| Noninterest-bearing deposits | 53,595,000 | 45,371,000 | 42,262,000 | 57,200,000 |
| Equity capital | 25,369,000 | 25,929,000 | 26,591,000 | 25,491,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,235,000 | 4,662,000 | 7,262,000 | 9,822,000 |
| Interest expense | 307,000 | 604,000 | 903,000 | 1,207,000 |
| Net interest income | 1,928,000 | 4,058,000 | 6,359,000 | 8,615,000 |
| Noninterest income | 386,000 | 841,000 | 1,283,000 | 1,694,000 |
| Noninterest expense | 2,045,000 | 4,162,000 | 6,233,000 | 8,267,000 |
| Provision for loan losses | 129,000 | 264,000 | 396,000 | 816,000 |
| Pretax income | 140,000 | 473,000 | 1,013,000 | 1,501,000 |
| Income tax | 37,000 | 51,000 | 142,000 | 298,000 |
| Net income | 103,000 | 422,000 | 871,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,963,000 | 22,280,000 | 22,730,000 | 21,913,000 |
| Total capital | 23,546,000 | 23,703,000 | 24,370,000 | 23,674,000 |
| Risk-weighted assets | 140,431,000 | 151,695,000 | 160,674,000 | 147,076,000 |