Call reports 2019
VISTA BANK — 2019
What VISTA BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 840,500,000 | 810,708,000 | 863,597,000 | 920,512,000 |
| Total loans | 630,316,000 | 649,044,000 | 678,115,000 | 658,995,000 |
| Allowance for loan losses | 6,144,000 | 6,142,000 | 6,598,000 | 6,702,000 |
| Securities available for sale | 28,915,000 | 29,137,000 | 24,980,000 | 25,899,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 734,287,000 | 702,250,000 | 731,305,000 | 781,968,000 |
| Interest-bearing deposits | 515,726,000 | 501,227,000 | 528,127,000 | 560,689,000 |
| Noninterest-bearing deposits | 218,561,000 | 201,023,000 | 203,178,000 | 221,279,000 |
| Equity capital | 79,354,000 | 82,035,000 | 84,678,000 | 84,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,056,000 | 20,592,000 | 31,626,000 | 42,447,000 |
| Interest expense | 1,966,000 | 4,115,000 | 6,408,000 | 8,635,000 |
| Net interest income | 8,090,000 | 16,477,000 | 25,218,000 | 33,812,000 |
| Noninterest income | 580,000 | 1,333,000 | 2,052,000 | 2,791,000 |
| Noninterest expense | 5,660,000 | 11,602,000 | 17,597,000 | 29,471,000 |
| Provision for loan losses | 200,000 | 503,000 | 936,000 | 1,076,000 |
| Pretax income | 2,810,000 | 5,708,000 | 8,737,000 | 6,056,000 |
| Income tax | 574,000 | 1,143,000 | 1,760,000 | 1,185,000 |
| Net income | 2,236,000 | 4,565,000 | 6,977,000 | 4,871,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,801,000 | 78,289,000 | 80,865,000 | 80,470,000 |
| Total capital | 81,945,000 | 84,431,000 | 87,463,000 | 87,172,000 |
| Risk-weighted assets | 648,441,000 | 695,808,000 | 719,517,000 | 715,190,000 |