Call reports 2012
VISTABANK — 2012
What VISTABANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 106,016,000 | 111,657,000 | 100,195,000 | 106,969,000 |
| Total loans | 85,607,000 | 79,352,000 | 77,238,000 | 76,869,000 |
| Allowance for loan losses | 1,870,000 | 1,644,000 | 1,813,000 | 1,782,000 |
| Securities available for sale | 11,183,000 | 12,263,000 | 12,242,000 | 11,967,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,115,000 | 99,763,000 | 90,388,000 | 97,156,000 |
| Interest-bearing deposits | 85,253,000 | 83,629,000 | 77,897,000 | 78,400,000 |
| Noninterest-bearing deposits | 8,862,000 | 16,134,000 | 12,491,000 | 18,756,000 |
| Equity capital | 7,669,000 | 7,621,000 | 7,628,000 | 7,615,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,150,000 | 2,268,000 | 3,347,000 | 4,423,000 |
| Interest expense | 240,000 | 469,000 | 668,000 | 845,000 |
| Net interest income | 910,000 | 1,799,000 | 2,679,000 | 3,578,000 |
| Noninterest income | 40,000 | 79,000 | 119,000 | 162,000 |
| Noninterest expense | 1,056,000 | 1,985,000 | 2,754,000 | 3,644,000 |
| Provision for loan losses | 170,000 | 306,000 | 475,000 | 525,000 |
| Pretax income | -250,000 | -354,000 | -352,000 | -333,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -250,000 | -354,000 | -352,000 | -333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,587,000 | 7,514,000 | 7,545,000 | 7,574,000 |
| Total capital | 8,705,000 | 8,550,000 | 8,554,000 | 8,591,000 |
| Risk-weighted assets | 88,718,000 | 82,266,000 | 79,915,000 | 80,581,000 |