Call reports 2020
VISTA BANK — 2020
What VISTA BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 905,054,000 | 1,121,388,000 | 1,235,087,000 | 1,344,135,000 |
| Total loans | 675,741,000 | 840,917,000 | 887,987,000 | 827,539,000 |
| Allowance for loan losses | 7,494,000 | 8,827,000 | 10,889,000 | 11,282,000 |
| Securities available for sale | 25,563,000 | 26,527,000 | 29,347,000 | 35,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 772,472,000 | 867,512,000 | 937,836,000 | 1,107,917,000 |
| Interest-bearing deposits | 527,638,000 | 552,480,000 | 547,695,000 | 538,019,000 |
| Noninterest-bearing deposits | 244,834,000 | 315,032,000 | 390,141,000 | 569,899,000 |
| Equity capital | 85,672,000 | 90,289,000 | 107,048,000 | 115,707,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,588,000 | 22,204,000 | 34,127,000 | 45,778,000 |
| Interest expense | 2,085,000 | 3,506,000 | 4,792,000 | 5,801,000 |
| Net interest income | 8,503,000 | 18,698,000 | 29,335,000 | 39,977,000 |
| Noninterest income | 855,000 | 1,495,000 | 2,359,000 | 6,723,000 |
| Noninterest expense | 6,414,000 | 11,728,000 | 18,671,000 | 28,897,000 |
| Provision for loan losses | 1,010,000 | 2,345,000 | 5,378,000 | 6,423,000 |
| Pretax income | 1,934,000 | 6,120,000 | 7,644,000 | 11,380,000 |
| Income tax | -87,000 | 764,000 | 706,000 | 1,457,000 |
| Net income | 2,021,000 | 5,356,000 | 6,938,000 | 9,923,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,657,000 | 86,157,000 | 102,904,000 | 111,454,000 |
| Total capital | 90,151,000 | 94,984,000 | 112,667,000 | 121,255,000 |
| Risk-weighted assets | 720,629,000 | 727,005,000 | 779,885,000 | 782,583,000 |