Call reports 2025
VISTA BANK — 2025
What VISTA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,438,122,000 | 2,429,922,000 | 2,539,201,000 | 2,541,208,000 |
| Total loans | 1,857,041,000 | 1,858,072,000 | 1,906,299,000 | 1,950,581,000 |
| Allowance for loan losses | 22,515,000 | 21,197,000 | 22,308,000 | 22,214,000 |
| Securities available for sale | 91,082,000 | 107,462,000 | 108,676,000 | 105,832,000 |
| Securities held to maturity | 51,217,000 | 45,242,000 | 44,011,000 | 42,733,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,134,650,000 | 2,125,735,000 | 2,221,042,000 | 2,209,633,000 |
| Interest-bearing deposits | 1,715,864,000 | 1,725,996,000 | 1,768,396,000 | 1,744,572,000 |
| Noninterest-bearing deposits | 418,786,000 | 399,739,000 | 452,646,000 | 465,061,000 |
| Equity capital | 271,719,000 | 278,238,000 | 288,715,000 | 304,840,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 39,449,000 | 79,449,000 | 119,584,000 | 159,820,000 |
| Interest expense | 16,896,000 | 33,363,000 | 49,800,000 | 64,893,000 |
| Net interest income | 22,553,000 | 46,086,000 | 69,784,000 | 94,927,000 |
| Noninterest income | 15,034,000 | 15,911,000 | 17,251,000 | 18,241,000 |
| Noninterest expense | 15,800,000 | 30,449,000 | 44,287,000 | 59,614,000 |
| Provision for loan losses | 9,460,000 | 10,028,000 | 11,127,000 | 11,428,000 |
| Pretax income | 12,329,000 | 21,522,000 | 31,623,000 | 42,128,000 |
| Income tax | 2,701,000 | 4,581,000 | 6,709,000 | 8,868,000 |
| Net income | 9,628,000 | 16,941,000 | 24,914,000 | 33,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 270,485,000 | 278,303,000 | 286,784,000 | 302,265,000 |
| Total capital | 292,128,000 | 298,627,000 | 308,220,000 | 323,606,000 |
| Risk-weighted assets | 1,868,509,000 | 1,895,244,000 | 1,926,881,000 | 2,006,850,000 |