Call reports 2009
VISTABANK — 2009
What VISTABANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 80,998,000 | 98,812,000 | 124,043,000 | 131,401,000 |
| Total loans | 58,189,000 | 76,156,000 | 90,139,000 | 99,170,000 |
| Allowance for loan losses | 699,000 | 910,000 | 1,080,000 | 1,193,000 |
| Securities available for sale | 7,063,000 | 9,052,000 | 8,095,000 | 10,064,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,475,000 | 81,527,000 | 102,918,000 | 109,361,000 |
| Interest-bearing deposits | 59,241,000 | 75,221,000 | 94,406,000 | 97,046,000 |
| Noninterest-bearing deposits | 4,234,000 | 6,306,000 | 8,512,000 | 12,315,000 |
| Equity capital | 13,531,000 | 13,183,000 | 12,993,000 | 12,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 802,000 | 1,840,000 | 3,159,000 | 4,668,000 |
| Interest expense | 451,000 | 967,000 | 1,571,000 | 2,206,000 |
| Net interest income | 351,000 | 873,000 | 1,588,000 | 2,462,000 |
| Noninterest income | 24,000 | 93,000 | 118,000 | 168,000 |
| Noninterest expense | 846,000 | 1,784,000 | 2,726,000 | 3,769,000 |
| Provision for loan losses | 115,000 | 326,000 | 496,000 | 611,000 |
| Pretax income | -586,000 | -1,144,000 | -1,516,000 | -1,750,000 |
| Income tax | -199,000 | -389,000 | -515,000 | -639,000 |
| Net income | -387,000 | -755,000 | -1,001,000 | -1,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,091,000 | 11,585,000 | 11,301,000 | 11,005,000 |
| Total capital | 12,790,000 | 12,495,000 | 12,381,000 | 12,198,000 |
| Risk-weighted assets | 64,952,000 | 84,356,000 | 98,060,000 | 105,195,000 |
Machine access — free, no API key
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