Call reports 2001
VISTA BANK TEXAS — 2001
What VISTA BANK TEXAS reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 52,521,000 | 53,804,000 | 60,095,000 | 59,386,000 |
| Total loans | 21,120,000 | 23,167,000 | 23,100,000 | 21,506,000 |
| Allowance for loan losses | 310,000 | 314,000 | 321,000 | 313,000 |
| Securities available for sale | 19,384,000 | 18,401,000 | 24,064,000 | 24,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,883,000 | 48,518,000 | 54,095,000 | 54,370,000 |
| Interest-bearing deposits | 34,273,000 | 35,752,000 | 40,188,000 | 39,088,000 |
| Noninterest-bearing deposits | 12,610,000 | 12,766,000 | 13,907,000 | 15,282,000 |
| Equity capital | 4,530,000 | 4,673,000 | 5,063,000 | 4,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 898,000 | 1,824,000 | 2,784,000 | 3,696,000 |
| Interest expense | 404,000 | 812,000 | 1,231,000 | 1,595,000 |
| Net interest income | 494,000 | 1,012,000 | 1,553,000 | 2,101,000 |
| Noninterest income | 160,000 | 315,000 | 482,000 | 670,000 |
| Noninterest expense | 471,000 | 941,000 | 1,425,000 | 1,986,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 168,000 | 377,000 | 563,000 | 762,000 |
| Income tax | 35,000 | 67,000 | 97,000 | 159,000 |
| Net income | 133,000 | 310,000 | 466,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,456,000 | 4,615,000 | 4,885,000 | 4,963,000 |
| Total capital | 4,766,000 | 4,929,000 | 5,206,000 | 5,276,000 |
| Risk-weighted assets | 25,384,000 | 27,365,000 | 28,786,000 | 27,051,000 |