Call reports 2011
VISTABANK — 2011
What VISTABANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 115,600,000 | 112,371,000 | 113,347,000 | 106,496,000 |
| Total loans | 96,955,000 | 92,791,000 | 90,848,000 | 86,896,000 |
| Allowance for loan losses | 1,329,000 | 1,405,000 | 1,455,000 | 2,049,000 |
| Securities available for sale | 10,016,000 | 11,949,000 | 13,475,000 | 11,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,727,000 | 98,349,000 | 99,279,000 | 94,309,000 |
| Interest-bearing deposits | 94,107,000 | 90,922,000 | 90,547,000 | 82,452,000 |
| Noninterest-bearing deposits | 7,620,000 | 7,427,000 | 8,732,000 | 11,857,000 |
| Equity capital | 9,492,000 | 9,653,000 | 9,742,000 | 7,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,437,000 | 2,772,000 | 4,085,000 | 5,314,000 |
| Interest expense | 386,000 | 743,000 | 1,058,000 | 1,322,000 |
| Net interest income | 1,051,000 | 2,029,000 | 3,027,000 | 3,992,000 |
| Noninterest income | 23,000 | 51,000 | 80,000 | 121,000 |
| Noninterest expense | 950,000 | 1,795,000 | 2,672,000 | 3,611,000 |
| Provision for loan losses | 454,000 | 589,000 | 690,000 | 2,649,000 |
| Pretax income | -330,000 | -291,000 | -242,000 | -2,134,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -330,000 | -291,000 | -242,000 | -2,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,523,000 | 9,591,000 | 9,670,000 | 7,807,000 |
| Total capital | 10,719,000 | 10,741,000 | 10,815,000 | 8,904,000 |
| Risk-weighted assets | 95,529,000 | 91,796,000 | 91,273,000 | 86,801,000 |