Call reports 2023
VISTA BANK — 2023
What VISTA BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,630,145,000 | 1,924,456,000 | 1,989,075,000 | 2,247,771,000 |
| Total loans | 1,221,489,000 | 1,415,213,000 | 1,457,299,000 | 1,553,445,000 |
| Allowance for loan losses | 20,104,000 | 18,804,000 | 19,296,000 | 18,873,000 |
| Securities available for sale | 46,863,000 | 75,343,000 | 73,348,000 | 76,898,000 |
| Securities held to maturity | 65,435,000 | 67,113,000 | 67,051,000 | 66,852,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,417,023,000 | 1,637,576,000 | 1,719,858,000 | 1,971,084,000 |
| Interest-bearing deposits | 888,166,000 | 1,098,336,000 | 1,229,987,000 | 1,510,500,000 |
| Noninterest-bearing deposits | 528,857,000 | 539,240,000 | 489,870,000 | 460,584,000 |
| Equity capital | 180,392,000 | 219,009,000 | 223,912,000 | 234,024,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 21,995,000 | 49,971,000 | 81,301,000 | 115,289,000 |
| Interest expense | 4,689,000 | 12,000,000 | 22,676,000 | 35,935,000 |
| Net interest income | 17,306,000 | 37,971,000 | 58,625,000 | 79,354,000 |
| Noninterest income | 1,239,000 | 2,810,000 | 4,202,000 | 5,561,000 |
| Noninterest expense | 8,792,000 | 20,944,000 | 33,517,000 | 47,659,000 |
| Provision for loan losses | 400,000 | 2,975,000 | 3,450,000 | 3,915,000 |
| Pretax income | 9,353,000 | 16,862,000 | 25,860,000 | 33,191,000 |
| Income tax | 1,950,000 | 3,547,000 | 5,452,000 | 7,025,000 |
| Net income | 7,403,000 | 13,315,000 | 20,408,000 | 26,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,152,000 | 217,617,000 | 225,276,000 | 231,881,000 |
| Total capital | 199,232,000 | 236,335,000 | 244,593,000 | 247,191,000 |
| Risk-weighted assets | 1,286,098,000 | 1,497,422,000 | 1,553,149,000 | 1,619,547,000 |