Call reports 2002
VISTA BANK TEXAS — 2002
What VISTA BANK TEXAS reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 61,001,000 | 60,494,000 | 59,877,000 | 60,049,000 |
| Total loans | 22,364,000 | 23,967,000 | 23,280,000 | 22,273,000 |
| Allowance for loan losses | 329,000 | 323,000 | 335,000 | 339,000 |
| Securities available for sale | 27,521,000 | 26,295,000 | 25,502,000 | 25,505,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,061,000 | 52,626,000 | 52,994,000 | 54,321,000 |
| Interest-bearing deposits | 39,922,000 | 38,946,000 | 38,761,000 | 40,105,000 |
| Noninterest-bearing deposits | 14,139,000 | 13,680,000 | 14,233,000 | 14,216,000 |
| Equity capital | 4,834,000 | 5,283,000 | 5,693,000 | 5,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 858,000 | 1,719,000 | 2,556,000 | 3,303,000 |
| Interest expense | 317,000 | 603,000 | 875,000 | 1,107,000 |
| Net interest income | 541,000 | 1,116,000 | 1,681,000 | 2,196,000 |
| Noninterest income | 150,000 | 299,000 | 455,000 | 600,000 |
| Noninterest expense | 495,000 | 980,000 | 1,494,000 | 2,110,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 60,000 |
| Pretax income | 181,000 | 431,000 | 665,000 | 689,000 |
| Income tax | 35,000 | 80,000 | 128,000 | 149,000 |
| Net income | 146,000 | 351,000 | 537,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,860,000 | 5,065,000 | 5,344,000 | 5,347,000 |
| Total capital | 5,189,000 | 5,388,000 | 5,679,000 | 5,686,000 |
| Risk-weighted assets | 29,263,000 | 29,570,000 | 29,165,000 | 28,454,000 |