Call reports 2017
VISTA BANK — 2017
What VISTA BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 444,249,000 | 517,895,000 | 580,686,000 | 604,026,000 |
| Total loans | 319,517,000 | 398,236,000 | 443,640,000 | 460,953,000 |
| Allowance for loan losses | 3,492,000 | 3,773,000 | 4,126,000 | 4,306,000 |
| Securities available for sale | 34,252,000 | 52,501,000 | 48,219,000 | 37,244,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,426,000 | 448,347,000 | 501,180,000 | 528,096,000 |
| Interest-bearing deposits | 249,690,000 | 303,124,000 | 360,807,000 | 372,362,000 |
| Noninterest-bearing deposits | 132,736,000 | 145,223,000 | 140,373,000 | 155,734,000 |
| Equity capital | 54,056,000 | 67,762,000 | 69,556,000 | 70,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 4,925,000 | 10,578,000 | 17,455,000 | 25,183,000 |
| Interest expense | 496,000 | 1,039,000 | 1,722,000 | 2,524,000 |
| Net interest income | 4,429,000 | 9,539,000 | 15,733,000 | 22,659,000 |
| Noninterest income | 529,000 | 1,068,000 | 1,843,000 | 2,556,000 |
| Noninterest expense | 3,731,000 | 7,588,000 | 12,154,000 | 17,356,000 |
| Provision for loan losses | 270,000 | 540,000 | 879,000 | 1,046,000 |
| Pretax income | 957,000 | 2,479,000 | 4,543,000 | 6,813,000 |
| Income tax | 283,000 | 717,000 | 1,345,000 | 2,305,000 |
| Net income | 674,000 | 1,762,000 | 3,198,000 | 4,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,987,000 | 64,606,000 | 66,449,000 | 67,832,000 |
| Total capital | 54,479,000 | 68,379,000 | 70,575,000 | 72,138,000 |
| Risk-weighted assets | 343,090,000 | 414,561,000 | 460,804,000 | 458,778,000 |