Call reports 2004
VISTA BANK TEXAS — 2004
What VISTA BANK TEXAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 63,913,000 | 63,158,000 | 64,721,000 | 66,688,000 |
| Total loans | 22,643,000 | 24,706,000 | 24,595,000 | 23,531,000 |
| Allowance for loan losses | 317,000 | 318,000 | 323,000 | 332,000 |
| Securities available for sale | 29,642,000 | 27,303,000 | 28,378,000 | 31,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,109,000 | 52,918,000 | 56,004,000 | 59,929,000 |
| Interest-bearing deposits | 38,576,000 | 38,523,000 | 39,794,000 | 40,033,000 |
| Noninterest-bearing deposits | 15,533,000 | 14,395,000 | 16,210,000 | 19,896,000 |
| Equity capital | 5,636,000 | 5,225,000 | 5,645,000 | 5,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 693,000 | 1,384,000 | 2,076,000 | 2,794,000 |
| Interest expense | 135,000 | 271,000 | 412,000 | 560,000 |
| Net interest income | 558,000 | 1,113,000 | 1,664,000 | 2,234,000 |
| Noninterest income | 160,000 | 299,000 | 441,000 | 570,000 |
| Noninterest expense | 539,000 | 1,108,000 | 1,628,000 | 2,204,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 221,000 | 343,000 | 512,000 | 651,000 |
| Income tax | 41,000 | 46,000 | 71,000 | 112,000 |
| Net income | 180,000 | 297,000 | 441,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,256,000 | 5,373,000 | 5,517,000 | 5,615,000 |
| Total capital | 5,573,000 | 5,691,000 | 5,840,000 | 5,947,000 |
| Risk-weighted assets | 29,228,000 | 30,336,000 | 28,543,000 | 30,131,000 |
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