Call reports 2003
VISTA BANK TEXAS — 2003
What VISTA BANK TEXAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 62,297,000 | 61,668,000 | 60,822,000 | 62,269,000 |
| Total loans | 22,922,000 | 24,225,000 | 22,933,000 | 20,981,000 |
| Allowance for loan losses | 305,000 | 304,000 | 310,000 | 298,000 |
| Securities available for sale | 27,015,000 | 25,773,000 | 26,080,000 | 30,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,213,000 | 52,445,000 | 52,753,000 | 55,757,000 |
| Interest-bearing deposits | 39,258,000 | 38,671,000 | 37,961,000 | 39,299,000 |
| Noninterest-bearing deposits | 13,955,000 | 13,774,000 | 14,792,000 | 16,458,000 |
| Equity capital | 5,340,000 | 5,756,000 | 5,491,000 | 5,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 736,000 | 1,469,000 | 2,155,000 | 2,850,000 |
| Interest expense | 192,000 | 368,000 | 520,000 | 657,000 |
| Net interest income | 544,000 | 1,101,000 | 1,635,000 | 2,193,000 |
| Noninterest income | 141,000 | 284,000 | 429,000 | 580,000 |
| Noninterest expense | 513,000 | 1,022,000 | 1,534,000 | 2,122,000 |
| Provision for loan losses | 29,000 | 49,000 | 66,000 | 81,000 |
| Pretax income | 230,000 | 400,000 | 562,000 | 668,000 |
| Income tax | 40,000 | 60,000 | 73,000 | 79,000 |
| Net income | 190,000 | 340,000 | 489,000 | 589,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,107,000 | 5,257,000 | 5,406,000 | 5,506,000 |
| Total capital | 5,412,000 | 5,561,000 | 5,716,000 | 5,804,000 |
| Risk-weighted assets | 29,257,000 | 29,224,000 | 29,098,000 | 27,761,000 |
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