Call reports 2006
VISTA BANK TEXAS — 2006
What VISTA BANK TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 61,536,000 | 59,861,000 | 63,125,000 | 132,921,000 |
| Total loans | 21,808,000 | 22,744,000 | 22,384,000 | 36,223,000 |
| Allowance for loan losses | 284,000 | 280,000 | 267,000 | 367,000 |
| Securities available for sale | 28,028,000 | 24,980,000 | 1,217,000 | 67,198,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,397,000 | 55,005,000 | 57,864,000 | 93,883,000 |
| Interest-bearing deposits | 38,887,000 | 38,321,000 | 38,742,000 | 71,971,000 |
| Noninterest-bearing deposits | 17,510,000 | 16,684,000 | 19,122,000 | 21,912,000 |
| Equity capital | 5,058,000 | 4,784,000 | 4,852,000 | 38,693,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 761,000 | 1,548,000 | 2,432,000 | 1,055,000 |
| Interest expense | 234,000 | 500,000 | 806,000 | 262,000 |
| Net interest income | 527,000 | 1,048,000 | 1,626,000 | 793,000 |
| Noninterest income | 130,000 | 269,000 | 444,000 | 95,000 |
| Noninterest expense | 530,000 | 1,056,000 | 1,895,000 | 758,000 |
| Provision for loan losses | 10,000 | 10,000 | 10,000 | 100,000 |
| Pretax income | 128,000 | -606,000 | -692,000 | 1,000 |
| Income tax | 18,000 | -175,000 | -303,000 | 136,000 |
| Net income | 110,000 | -431,000 | -389,000 | -135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,366,000 | 4,823,000 | 4,865,000 | 29,795,000 |
| Total capital | 5,650,000 | 5,104,000 | 5,132,000 | 30,162,000 |
| Risk-weighted assets | 28,264,000 | 23,225,000 | 28,540,000 | 52,159,000 |