Call reports 2018
VISTA BANK — 2018
What VISTA BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 685,963,000 | 754,523,000 | 777,449,000 | 802,720,000 |
| Total loans | 529,456,000 | 580,308,000 | 628,860,000 | 621,174,000 |
| Allowance for loan losses | 5,012,000 | 5,529,000 | 5,937,000 | 5,844,000 |
| Securities available for sale | 35,131,000 | 34,236,000 | 32,868,000 | 31,380,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 604,020,000 | 669,322,000 | 668,119,000 | 700,585,000 |
| Interest-bearing deposits | 420,429,000 | 475,303,000 | 471,821,000 | 523,713,000 |
| Noninterest-bearing deposits | 183,591,000 | 194,019,000 | 196,298,000 | 176,872,000 |
| Equity capital | 77,101,000 | 79,244,000 | 83,141,000 | 76,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 7,244,000 | 15,696,000 | 24,961,000 | 34,905,000 |
| Interest expense | 918,000 | 2,023,000 | 3,463,000 | 5,262,000 |
| Net interest income | 6,326,000 | 13,673,000 | 21,498,000 | 29,643,000 |
| Noninterest income | 764,000 | 1,901,000 | 2,795,000 | 6,048,000 |
| Noninterest expense | 4,499,000 | 9,548,000 | 15,185,000 | 35,388,000 |
| Provision for loan losses | 685,000 | 1,546,000 | 3,502,000 | 3,434,000 |
| Pretax income | 1,906,000 | 4,480,000 | 5,606,000 | -3,131,000 |
| Income tax | 362,000 | 868,000 | 1,075,000 | -706,000 |
| Net income | 1,544,000 | 3,612,000 | 4,531,000 | -2,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 74,335,000 | 75,688,000 | 79,817,000 | 72,957,000 |
| Total capital | 79,347,000 | 81,217,000 | 85,754,000 | 78,801,000 |
| Risk-weighted assets | 546,524,000 | 594,099,000 | 622,708,000 | 638,388,000 |