Call reports 2013
VISTA BANK — 2013
What VISTA BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 252,675,000 | 242,834,000 | 240,853,000 | 257,420,000 |
| Total loans | 122,075,000 | 141,429,000 | 154,867,000 | 149,468,000 |
| Allowance for loan losses | 1,784,000 | 1,695,000 | 1,813,000 | 2,010,000 |
| Securities available for sale | 52,875,000 | 42,503,000 | 39,772,000 | 48,758,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,575,000 | 216,685,000 | 214,183,000 | 232,198,000 |
| Interest-bearing deposits | 170,623,000 | 164,499,000 | 160,374,000 | 167,284,000 |
| Noninterest-bearing deposits | 54,952,000 | 52,186,000 | 53,809,000 | 64,914,000 |
| Equity capital | 25,417,000 | 24,738,000 | 24,938,000 | 23,691,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,291,000 | 4,841,000 | 7,632,000 | 10,409,000 |
| Interest expense | 315,000 | 627,000 | 949,000 | 1,263,000 |
| Net interest income | 1,976,000 | 4,214,000 | 6,683,000 | 9,146,000 |
| Noninterest income | 405,000 | 820,000 | 1,261,000 | 1,783,000 |
| Noninterest expense | 2,159,000 | 4,287,000 | 6,433,000 | 8,712,000 |
| Provision for loan losses | 92,000 | 182,000 | 272,000 | 462,000 |
| Pretax income | 130,000 | 565,000 | 1,239,000 | 1,755,000 |
| Income tax | 26,000 | 88,000 | 181,000 | 378,000 |
| Net income | 104,000 | 477,000 | 1,058,000 | 1,377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,016,000 | 22,389,000 | 22,971,000 | 22,165,000 |
| Total capital | 23,800,000 | 24,084,000 | 24,784,000 | 24,175,000 |
| Risk-weighted assets | 144,171,000 | 156,583,000 | 165,597,000 | 164,688,000 |
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