Call reports 2010
VISTA BANK TEXAS — 2010
What VISTA BANK TEXAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 395,360,000 | 421,637,000 | 434,901,000 | 455,571,000 |
| Total loans | 299,302,000 | 311,607,000 | 314,873,000 | 310,945,000 |
| Allowance for loan losses | 3,440,000 | 3,764,000 | 4,090,000 | 4,414,000 |
| Securities available for sale | 33,440,000 | 35,545,000 | 40,352,000 | 39,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,688,000 | 311,895,000 | 323,510,000 | 344,198,000 |
| Interest-bearing deposits | 216,913,000 | 226,432,000 | 227,861,000 | 242,987,000 |
| Noninterest-bearing deposits | 78,775,000 | 85,463,000 | 95,649,000 | 101,211,000 |
| Equity capital | 42,517,000 | 53,654,000 | 55,174,000 | 55,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,619,000 | 9,454,000 | 14,496,000 | 19,550,000 |
| Interest expense | 1,050,000 | 2,100,000 | 3,154,000 | 4,248,000 |
| Net interest income | 3,569,000 | 7,354,000 | 11,342,000 | 15,302,000 |
| Noninterest income | 244,000 | 497,000 | 795,000 | 1,058,000 |
| Noninterest expense | 2,988,000 | 5,909,000 | 8,792,000 | 11,562,000 |
| Provision for loan losses | 225,000 | 550,000 | 875,000 | 1,225,000 |
| Pretax income | 600,000 | 1,433,000 | 2,629,000 | 3,732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 600,000 | 1,433,000 | 2,629,000 | 3,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,050,000 | 44,943,000 | 46,197,000 | 47,358,000 |
| Total capital | 37,490,000 | 48,707,000 | 50,238,000 | 51,433,000 |
| Risk-weighted assets | 306,045,000 | 319,214,000 | 323,268,000 | 325,635,000 |