Call reports 2022
VISTA BANK — 2022
What VISTA BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,363,083,000 | 1,441,432,000 | 1,512,229,000 | 1,564,284,000 |
| Total loans | 994,495,000 | 1,103,727,000 | 1,153,493,000 | 1,189,637,000 |
| Allowance for loan losses | 13,306,000 | 14,474,000 | 14,938,000 | 14,888,000 |
| Securities available for sale | 48,072,000 | 48,290,000 | 46,588,000 | 46,399,000 |
| Securities held to maturity | 65,226,000 | 62,795,000 | 62,707,000 | 62,630,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,195,449,000 | 1,265,352,000 | 1,320,648,000 | 1,357,260,000 |
| Interest-bearing deposits | 570,973,000 | 637,647,000 | 712,970,000 | 755,280,000 |
| Noninterest-bearing deposits | 624,476,000 | 627,705,000 | 607,678,000 | 601,980,000 |
| Equity capital | 137,916,000 | 144,194,000 | 163,264,000 | 172,508,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 12,632,000 | 26,818,000 | 44,184,000 | 65,367,000 |
| Interest expense | 495,000 | 1,510,000 | 3,218,000 | 6,561,000 |
| Net interest income | 12,137,000 | 25,308,000 | 40,966,000 | 58,806,000 |
| Noninterest income | 1,308,000 | 2,653,000 | 4,048,000 | 5,348,000 |
| Noninterest expense | 7,762,000 | 14,723,000 | 22,944,000 | 32,049,000 |
| Provision for loan losses | 475,000 | 1,625,000 | 1,975,000 | 2,515,000 |
| Pretax income | 5,208,000 | 11,613,000 | 20,095,000 | 29,590,000 |
| Income tax | 1,100,000 | 2,283,000 | 4,011,000 | 5,975,000 |
| Net income | 4,108,000 | 9,330,000 | 16,084,000 | 23,615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,448,000 | 143,258,000 | 163,612,000 | 172,934,000 |
| Total capital | 148,701,000 | 157,732,000 | 178,550,000 | 187,822,000 |
| Risk-weighted assets | 1,060,174,000 | 1,159,443,000 | 1,215,687,000 | 1,256,467,000 |