Call reports 2013
VISTABANK — 2013
What VISTABANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 109,421,000 | 105,262,000 | 101,619,000 | 101,030,000 |
| Total loans | 77,400,000 | 75,512,000 | 76,976,000 | 76,827,000 |
| Allowance for loan losses | 1,613,000 | 1,212,000 | 1,217,000 | 1,024,000 |
| Securities available for sale | 12,182,000 | 11,644,000 | 15,252,000 | 12,991,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,614,000 | 95,707,000 | 92,195,000 | 89,900,000 |
| Interest-bearing deposits | 79,593,000 | 80,078,000 | 76,044,000 | 74,650,000 |
| Noninterest-bearing deposits | 20,021,000 | 15,629,000 | 16,151,000 | 15,250,000 |
| Equity capital | 7,555,000 | 7,241,000 | 7,159,000 | 7,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,053,000 | 3,046,000 | 4,044,000 |
| Interest expense | 166,000 | 331,000 | 474,000 | 600,000 |
| Net interest income | 855,000 | 1,722,000 | 2,572,000 | 3,444,000 |
| Noninterest income | 68,000 | 92,000 | 72,000 | 110,000 |
| Noninterest expense | 901,000 | 1,771,000 | 2,547,000 | 3,428,000 |
| Provision for loan losses | 20,000 | 25,000 | 45,000 | 55,000 |
| Pretax income | 44,000 | 74,000 | 108,000 | 127,000 |
| Income tax | 0 | 0 | 0 | -42,000 |
| Net income | 44,000 | 74,000 | 108,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,622,000 | 7,660,000 | 7,703,000 | 8,501,000 |
| Total capital | 8,628,000 | 8,646,000 | 8,739,000 | 9,525,000 |
| Risk-weighted assets | 79,873,000 | 78,658,000 | 82,696,000 | 82,277,000 |