Call reports 2014
VISTABANK — 2014
What VISTABANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 104,107,000 | 103,555,000 | 107,018,000 | 105,542,000 |
| Total loans | 79,254,000 | 80,332,000 | 79,078,000 | 78,910,000 |
| Allowance for loan losses | 1,059,000 | 1,054,000 | 936,000 | 1,002,000 |
| Securities available for sale | 15,666,000 | 16,415,000 | 17,311,000 | 17,688,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,317,000 | 89,700,000 | 93,947,000 | 91,738,000 |
| Interest-bearing deposits | 75,537,000 | 75,731,000 | 76,289,000 | 72,566,000 |
| Noninterest-bearing deposits | 15,780,000 | 13,969,000 | 17,658,000 | 19,172,000 |
| Equity capital | 8,582,000 | 8,682,000 | 8,828,000 | 9,078,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,067,000 | 2,100,000 | 3,154,000 | 4,213,000 |
| Interest expense | 125,000 | 256,000 | 382,000 | 498,000 |
| Net interest income | 942,000 | 1,844,000 | 2,772,000 | 3,715,000 |
| Noninterest income | 22,000 | -44,000 | -57,000 | -142,000 |
| Noninterest expense | 887,000 | 1,622,000 | 2,433,000 | 3,181,000 |
| Provision for loan losses | 50,000 | 125,000 | 175,000 | 240,000 |
| Pretax income | 27,000 | 53,000 | 72,000 | 148,000 |
| Income tax | 1,000 | 2,000 | -69,000 | -140,000 |
| Net income | 26,000 | 51,000 | 141,000 | 288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,888,000 | 8,914,000 | 9,006,000 | 9,155,000 |
| Total capital | 9,930,000 | 9,957,000 | 9,942,000 | 10,157,000 |
| Risk-weighted assets | 83,370,000 | 83,467,000 | 85,611,000 | 83,470,000 |