Call reports 2021
VISTA BANK — 2021
What VISTA BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,370,962,000 | 1,320,733,000 | 1,341,001,000 | 1,353,530,000 |
| Total loans | 894,009,000 | 906,606,000 | 858,348,000 | 951,874,000 |
| Allowance for loan losses | 10,826,000 | 11,027,000 | 11,263,000 | 13,259,000 |
| Securities available for sale | 36,377,000 | 36,220,000 | 46,575,000 | 50,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,169,747,000 | 1,162,733,000 | 1,176,599,000 | 1,188,637,000 |
| Interest-bearing deposits | 555,333,000 | 569,111,000 | 557,107,000 | 538,086,000 |
| Noninterest-bearing deposits | 614,414,000 | 593,622,000 | 619,492,000 | 650,551,000 |
| Equity capital | 120,862,000 | 126,203,000 | 131,599,000 | 135,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 12,262,000 | 25,525,000 | 39,278,000 | 51,992,000 |
| Interest expense | 780,000 | 1,485,000 | 2,095,000 | 2,639,000 |
| Net interest income | 11,482,000 | 24,040,000 | 37,183,000 | 49,353,000 |
| Noninterest income | 1,274,000 | 2,533,000 | 5,205,000 | 6,548,000 |
| Noninterest expense | 6,550,000 | 13,735,000 | 22,314,000 | 29,244,000 |
| Provision for loan losses | -375,000 | -175,000 | 105,000 | 2,016,000 |
| Pretax income | 6,581,000 | 13,013,000 | 19,969,000 | 24,641,000 |
| Income tax | 1,359,000 | 2,686,000 | 4,114,000 | 5,050,000 |
| Net income | 5,222,000 | 10,327,000 | 15,855,000 | 19,591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 116,714,000 | 121,869,000 | 127,455,000 | 131,264,000 |
| Total capital | 126,393,000 | 132,196,000 | 138,428,000 | 143,746,000 |
| Risk-weighted assets | 773,181,000 | 825,429,000 | 877,571,000 | 997,752,000 |