Call reports 2015
VISTA BANK — 2015
What VISTA BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 272,108,000 | 290,750,000 | 320,433,000 | 330,738,000 |
| Total loans | 190,979,000 | 212,937,000 | 239,424,000 | 246,722,000 |
| Allowance for loan losses | 2,030,000 | 2,151,000 | 2,434,000 | 2,622,000 |
| Securities available for sale | 42,302,000 | 41,346,000 | 41,302,000 | 37,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 243,418,000 | 237,157,000 | 230,176,000 | 254,972,000 |
| Interest-bearing deposits | 176,321,000 | 175,594,000 | 168,170,000 | 173,503,000 |
| Noninterest-bearing deposits | 67,097,000 | 61,563,000 | 62,006,000 | 81,469,000 |
| Equity capital | 26,977,000 | 27,116,000 | 28,158,000 | 44,200,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,257,000 | 6,534,000 | 10,249,000 | 14,584,000 |
| Interest expense | 236,000 | 474,000 | 731,000 | 1,005,000 |
| Net interest income | 3,021,000 | 6,060,000 | 9,518,000 | 13,579,000 |
| Noninterest income | 392,000 | 789,000 | 1,293,000 | 1,678,000 |
| Noninterest expense | 2,463,000 | 4,996,000 | 7,535,000 | 10,326,000 |
| Provision for loan losses | 111,000 | 234,000 | 459,000 | 684,000 |
| Pretax income | 839,000 | 1,619,000 | 2,817,000 | 4,244,000 |
| Income tax | 220,000 | 426,000 | 778,000 | 1,202,000 |
| Net income | 619,000 | 1,193,000 | 2,039,000 | 3,042,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,412,000 | 23,985,000 | 24,831,000 | 40,834,000 |
| Total capital | 25,442,000 | 26,136,000 | 27,265,000 | 43,456,000 |
| Risk-weighted assets | 202,968,000 | 219,773,000 | 242,724,000 | 251,483,000 |