Call reports 2024
VISTA BANK — 2024
What VISTA BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,254,750,000 | 2,242,459,000 | 2,410,430,000 | 2,598,936,000 |
| Total loans | 1,606,839,000 | 1,680,878,000 | 1,815,783,000 | 1,945,233,000 |
| Allowance for loan losses | 20,296,000 | 19,723,000 | 20,911,000 | 22,292,000 |
| Securities available for sale | 73,078,000 | 72,260,000 | 80,117,000 | 91,511,000 |
| Securities held to maturity | 61,788,000 | 56,588,000 | 56,532,000 | 56,469,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,980,760,000 | 1,945,539,000 | 2,118,406,000 | 2,296,851,000 |
| Interest-bearing deposits | 1,575,322,000 | 1,556,530,000 | 1,667,350,000 | 1,828,810,000 |
| Noninterest-bearing deposits | 405,438,000 | 389,009,000 | 451,056,000 | 468,041,000 |
| Equity capital | 238,984,000 | 245,964,000 | 254,208,000 | 261,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 36,284,000 | 74,317,000 | 113,840,000 | 155,154,000 |
| Interest expense | 15,496,000 | 31,824,000 | 49,076,000 | 66,387,000 |
| Net interest income | 20,788,000 | 42,493,000 | 64,764,000 | 88,767,000 |
| Noninterest income | 1,464,000 | 2,688,000 | 4,355,000 | 6,779,000 |
| Noninterest expense | 13,600,000 | 28,110,000 | 42,303,000 | 56,832,000 |
| Provision for loan losses | 1,480,000 | 1,241,000 | 2,441,000 | 3,471,000 |
| Pretax income | 7,172,000 | 15,603,000 | 24,148,000 | 35,016,000 |
| Income tax | 1,507,000 | 3,105,000 | 4,903,000 | 7,236,000 |
| Net income | 5,665,000 | 12,498,000 | 19,245,000 | 27,780,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 236,995,000 | 244,318,000 | 251,596,000 | 260,646,000 |
| Total capital | 254,966,000 | 261,956,000 | 270,421,000 | 280,828,000 |
| Risk-weighted assets | 1,641,686,000 | 1,795,815,000 | 1,913,867,000 | 1,976,853,000 |