Call reports 2008
VISTA BANK TEXAS — 2008
What VISTA BANK TEXAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 236,285,000 | 278,022,000 | 292,216,000 | 319,167,000 |
| Total loans | 176,025,000 | 199,431,000 | 234,080,000 | 261,238,000 |
| Allowance for loan losses | 1,931,000 | 1,591,000 | 1,846,000 | 2,112,000 |
| Securities available for sale | 15,683,000 | 18,713,000 | 17,483,000 | 17,681,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 185,045,000 | 214,749,000 | 218,777,000 | 234,773,000 |
| Interest-bearing deposits | 126,645,000 | 156,790,000 | 151,791,000 | 160,759,000 |
| Noninterest-bearing deposits | 58,400,000 | 57,959,000 | 66,986,000 | 74,014,000 |
| Equity capital | 37,774,000 | 36,889,000 | 36,971,000 | 38,091,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,245,000 | 6,645,000 | 10,485,000 | 14,592,000 |
| Interest expense | 1,065,000 | 2,262,000 | 3,490,000 | 4,811,000 |
| Net interest income | 2,180,000 | 4,383,000 | 6,995,000 | 9,781,000 |
| Noninterest income | 210,000 | 427,000 | 657,000 | 908,000 |
| Noninterest expense | 2,523,000 | 5,163,000 | 7,867,000 | 10,568,000 |
| Provision for loan losses | 832,000 | 1,102,000 | 1,331,000 | 1,606,000 |
| Pretax income | -955,000 | -1,398,000 | -1,488,000 | -1,375,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -955,000 | -1,398,000 | -1,488,000 | -1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,165,000 | 28,781,000 | 28,748,000 | 29,920,000 |
| Total capital | 31,096,000 | 30,372,000 | 30,594,000 | 32,032,000 |
| Risk-weighted assets | 210,811,000 | 232,035,000 | 260,104,000 | 278,993,000 |