Call reports 2011
VISTA BANK TEXAS — 2011
What VISTA BANK TEXAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 460,753,000 | 467,157,000 | 577,633,000 | 616,660,000 |
| Total loans | 313,273,000 | 315,552,000 | 375,259,000 | 386,488,000 |
| Allowance for loan losses | 4,529,000 | 4,532,000 | 5,134,000 | 5,223,000 |
| Securities available for sale | 38,753,000 | 38,588,000 | 46,501,000 | 45,247,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 347,986,000 | 355,319,000 | 445,506,000 | 484,101,000 |
| Interest-bearing deposits | 246,551,000 | 252,641,000 | 312,770,000 | 313,089,000 |
| Noninterest-bearing deposits | 101,435,000 | 102,678,000 | 132,736,000 | 171,012,000 |
| Equity capital | 56,715,000 | 58,344,000 | 77,994,000 | 78,549,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,891,000 | 9,880,000 | 16,103,000 | 22,052,000 |
| Interest expense | 928,000 | 1,797,000 | 2,833,000 | 3,729,000 |
| Net interest income | 3,963,000 | 8,083,000 | 13,270,000 | 18,323,000 |
| Noninterest income | 277,000 | 578,000 | 2,690,000 | 2,647,000 |
| Noninterest expense | 3,073,000 | 6,197,000 | 10,265,000 | 14,431,000 |
| Provision for loan losses | 150,000 | 250,000 | 850,000 | 925,000 |
| Pretax income | 1,017,000 | 2,214,000 | 4,845,000 | 5,614,000 |
| Income tax | 0 | 0 | -23,000 | 225,000 |
| Net income | 1,017,000 | 2,214,000 | 4,868,000 | 5,389,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,434,000 | 49,688,000 | 69,237,000 | 69,807,000 |
| Total capital | 52,558,000 | 53,876,000 | 74,149,000 | 74,813,000 |
| Risk-weighted assets | 335,278,000 | 339,965,000 | 399,952,000 | 400,229,000 |