Call reports 2015
VISTABANK — 2015
What VISTABANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 106,106,000 | 111,848,000 | 111,512,000 | 112,705,000 |
| Total loans | 77,135,000 | 75,593,000 | 75,506,000 | 73,283,000 |
| Allowance for loan losses | 1,009,000 | 1,009,000 | 820,000 | 736,000 |
| Securities available for sale | 21,816,000 | 23,051,000 | 23,053,000 | 27,185,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,107,000 | 95,282,000 | 93,256,000 | 96,194,000 |
| Interest-bearing deposits | 73,225,000 | 76,014,000 | 77,429,000 | 75,887,000 |
| Noninterest-bearing deposits | 18,882,000 | 19,268,000 | 15,827,000 | 20,307,000 |
| Equity capital | 9,327,000 | 11,849,000 | 12,042,000 | 11,830,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,007,000 | 2,010,000 | 3,046,000 | 4,015,000 |
| Interest expense | 110,000 | 228,000 | 351,000 | 470,000 |
| Net interest income | 897,000 | 1,782,000 | 2,695,000 | 3,545,000 |
| Noninterest income | 7,000 | 12,000 | -206,000 | -212,000 |
| Noninterest expense | 824,000 | 1,664,000 | 2,523,000 | 3,425,000 |
| Provision for loan losses | 15,000 | 15,000 | -185,000 | -200,000 |
| Pretax income | 65,000 | 115,000 | 164,000 | 77,000 |
| Income tax | -68,000 | -2,835,000 | -2,820,000 | -2,785,000 |
| Net income | 133,000 | 2,950,000 | 2,984,000 | 2,862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,229,000 | 9,541,000 | 9,613,000 | 9,382,000 |
| Total capital | 10,229,000 | 10,550,000 | 10,433,000 | 10,118,000 |
| Risk-weighted assets | 80,019,000 | 82,490,000 | 81,134,000 | 79,786,000 |