Call reports 2005
VISTA BANK TEXAS — 2005
What VISTA BANK TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 68,149,000 | 68,742,000 | 64,762,000 | 63,627,000 |
| Total loans | 24,864,000 | 27,504,000 | 27,067,000 | 21,221,000 |
| Allowance for loan losses | 325,000 | 323,000 | 278,000 | 284,000 |
| Securities available for sale | 32,403,000 | 30,322,000 | 27,238,000 | 29,182,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,814,000 | 58,286,000 | 57,031,000 | 58,164,000 |
| Interest-bearing deposits | 39,866,000 | 40,583,000 | 39,683,000 | 39,039,000 |
| Noninterest-bearing deposits | 17,948,000 | 17,703,000 | 17,348,000 | 19,125,000 |
| Equity capital | 5,202,000 | 5,388,000 | 5,422,000 | 5,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 739,000 | 1,522,000 | 2,341,000 | 3,133,000 |
| Interest expense | 164,000 | 365,000 | 608,000 | 835,000 |
| Net interest income | 575,000 | 1,157,000 | 1,733,000 | 2,298,000 |
| Noninterest income | 139,000 | 281,000 | 418,000 | 561,000 |
| Noninterest expense | 548,000 | 1,082,000 | 1,625,000 | 2,191,000 |
| Provision for loan losses | 15,000 | 30,000 | 80,000 | 94,000 |
| Pretax income | 151,000 | 356,000 | 512,000 | 640,000 |
| Income tax | 27,000 | 71,000 | 94,000 | 140,000 |
| Net income | 124,000 | 285,000 | 418,000 | 500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,309,000 | 5,470,000 | 5,603,000 | 5,685,000 |
| Total capital | 5,634,000 | 5,793,000 | 5,881,000 | 5,969,000 |
| Risk-weighted assets | 31,275,000 | 32,999,000 | 32,084,000 | 27,937,000 |