Call reports 2016
VISTABANK — 2016
What VISTABANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Total assets | 110,146,000 | 110,654,000 | 100,442,000 |
| Total loans | 76,040,000 | 79,636,000 | 77,747,000 |
| Allowance for loan losses | 761,000 | 796,000 | 788,000 |
| Securities available for sale | 25,820,000 | 21,378,000 | 3,114,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 92,392,000 | 89,897,000 | 85,847,000 |
| Interest-bearing deposits | 76,586,000 | 74,558,000 | 69,567,000 |
| Noninterest-bearing deposits | 15,806,000 | 15,339,000 | 16,280,000 |
| Equity capital | 12,089,000 | 12,070,000 | 11,851,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Interest income | 1,008,000 | 1,977,000 | 2,932,000 |
| Interest expense | 125,000 | 255,000 | 377,000 |
| Net interest income | 883,000 | 1,722,000 | 2,555,000 |
| Noninterest income | 8,000 | 4,000 | 10,000 |
| Noninterest expense | 834,000 | 1,791,000 | 2,807,000 |
| Provision for loan losses | 20,000 | 55,000 | 280,000 |
| Pretax income | 50,000 | -66,000 | -262,000 |
| Income tax | 20,000 | -24,000 | -76,000 |
| Net income | 30,000 | -42,000 | -186,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 |
|---|---|---|---|
| Tier 1 capital | 9,439,000 | 9,351,000 | 9,147,000 |
| Total capital | 10,200,000 | 10,147,000 | 9,935,000 |
| Risk-weighted assets | 81,686,000 | 84,098,000 | 80,806,000 |