Call reports 2007
VISTA BANK TEXAS — 2007
What VISTA BANK TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 138,045,000 | 142,885,000 | 156,902,000 | 194,459,000 |
| Total loans | 65,614,000 | 97,465,000 | 103,543,000 | 149,224,000 |
| Allowance for loan losses | 566,000 | 841,000 | 921,000 | 1,100,000 |
| Securities available for sale | 16,191,000 | 13,437,000 | 14,186,000 | 13,356,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,176,000 | 103,141,000 | 116,628,000 | 142,793,000 |
| Interest-bearing deposits | 71,395,000 | 75,382,000 | 83,184,000 | 96,163,000 |
| Noninterest-bearing deposits | 26,781,000 | 27,759,000 | 33,444,000 | 46,630,000 |
| Equity capital | 38,657,000 | 38,497,000 | 38,846,000 | 38,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,804,000 | 4,096,000 | 6,704,000 | 9,567,000 |
| Interest expense | 486,000 | 1,118,000 | 1,900,000 | 2,788,000 |
| Net interest income | 1,318,000 | 2,978,000 | 4,804,000 | 6,779,000 |
| Noninterest income | 137,000 | 338,000 | 476,000 | 617,000 |
| Noninterest expense | 1,269,000 | 2,689,000 | 4,404,000 | 6,672,000 |
| Provision for loan losses | 200,000 | 475,000 | 550,000 | 730,000 |
| Pretax income | -14,000 | 152,000 | 326,000 | 34,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -14,000 | 152,000 | 326,000 | 34,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,839,000 | 30,064,000 | 30,296,000 | 30,062,000 |
| Total capital | 30,405,000 | 30,905,000 | 31,217,000 | 31,162,000 |
| Risk-weighted assets | 80,346,000 | 100,276,000 | 111,435,000 | 188,105,000 |
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