Call reports 2009
VISTA BANK TEXAS — 2009
What VISTA BANK TEXAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 361,801,000 | 379,218,000 | 398,886,000 | 390,148,000 |
| Total loans | 283,984,000 | 295,527,000 | 296,451,000 | 287,730,000 |
| Allowance for loan losses | 2,347,000 | 2,785,000 | 2,990,000 | 3,215,000 |
| Securities available for sale | 15,176,000 | 15,520,000 | 22,400,000 | 31,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,969,000 | 283,070,000 | 300,975,000 | 292,148,000 |
| Interest-bearing deposits | 194,420,000 | 211,757,000 | 216,851,000 | 207,871,000 |
| Noninterest-bearing deposits | 72,549,000 | 71,313,000 | 84,124,000 | 84,277,000 |
| Equity capital | 38,654,000 | 39,577,000 | 41,670,000 | 41,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,386,000 | 8,931,000 | 13,681,000 | 18,460,000 |
| Interest expense | 1,339,000 | 2,704,000 | 4,007,000 | 5,192,000 |
| Net interest income | 3,047,000 | 6,227,000 | 9,674,000 | 13,268,000 |
| Noninterest income | 226,000 | 485,000 | 739,000 | 986,000 |
| Noninterest expense | 2,740,000 | 5,868,000 | 8,780,000 | 11,985,000 |
| Provision for loan losses | 235,000 | 673,000 | 898,000 | 1,123,000 |
| Pretax income | 318,000 | 211,000 | 807,000 | 1,240,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 318,000 | 211,000 | 807,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,297,000 | 31,247,000 | 32,902,000 | 33,393,000 |
| Total capital | 32,644,000 | 34,032,000 | 35,892,000 | 36,608,000 |
| Risk-weighted assets | 307,199,000 | 315,250,000 | 314,308,000 | 302,052,000 |
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