Call reports 2016
VISTA BANK — 2016
What VISTA BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 327,491,000 | 393,519,000 | 398,904,000 | 393,592,000 |
| Total loans | 248,456,000 | 277,074,000 | 300,916,000 | 296,771,000 |
| Allowance for loan losses | 2,698,000 | 2,773,000 | 2,940,000 | 3,215,000 |
| Securities available for sale | 37,280,000 | 36,609,000 | 35,953,000 | 34,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 254,987,000 | 279,962,000 | 320,250,000 | 342,492,000 |
| Interest-bearing deposits | 181,708,000 | 204,555,000 | 250,086,000 | 235,533,000 |
| Noninterest-bearing deposits | 73,279,000 | 75,407,000 | 70,164,000 | 106,959,000 |
| Equity capital | 45,311,000 | 46,330,000 | 47,099,000 | 47,288,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,403,000 | 8,687,000 | 13,245,000 | 18,153,000 |
| Interest expense | 271,000 | 584,000 | 1,027,000 | 1,587,000 |
| Net interest income | 4,132,000 | 8,103,000 | 12,218,000 | 16,566,000 |
| Noninterest income | 398,000 | 818,000 | 1,317,000 | 1,897,000 |
| Noninterest expense | 2,999,000 | 6,044,000 | 9,173,000 | 12,864,000 |
| Provision for loan losses | 225,000 | 465,000 | 705,000 | 955,000 |
| Pretax income | 1,306,000 | 2,412,000 | 3,657,000 | 4,644,000 |
| Income tax | 363,000 | 675,000 | 1,017,000 | 1,362,000 |
| Net income | 943,000 | 1,737,000 | 2,640,000 | 3,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,777,000 | 42,668,000 | 43,621,000 | 44,308,000 |
| Total capital | 44,475,000 | 45,441,000 | 46,561,000 | 47,523,000 |
| Risk-weighted assets | 249,845,000 | 288,968,000 | 308,488,000 | 307,507,000 |