Call reports 2012
VISTA BANK TEXAS — 2012
What VISTA BANK TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 592,874,000 | 582,821,000 | 584,216,000 | 604,667,000 |
| Total loans | 393,436,000 | 416,739,000 | 451,831,000 | 472,189,000 |
| Allowance for loan losses | 5,275,000 | 5,293,000 | 5,428,000 | 5,465,000 |
| Securities available for sale | 42,997,000 | 40,634,000 | 39,278,000 | 37,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,773,000 | 449,108,000 | 449,094,000 | 470,557,000 |
| Interest-bearing deposits | 289,876,000 | 278,441,000 | 285,638,000 | 291,285,000 |
| Noninterest-bearing deposits | 169,897,000 | 170,667,000 | 163,456,000 | 179,272,000 |
| Equity capital | 79,336,000 | 80,594,000 | 81,950,000 | 83,060,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,956,000 | 12,074,000 | 18,366,000 | 24,975,000 |
| Interest expense | 798,000 | 1,501,000 | 2,144,000 | 2,785,000 |
| Net interest income | 5,158,000 | 10,573,000 | 16,222,000 | 22,190,000 |
| Noninterest income | 398,000 | 1,060,000 | 1,427,000 | 1,872,000 |
| Noninterest expense | 4,258,000 | 8,291,000 | 12,540,000 | 17,096,000 |
| Provision for loan losses | 150,000 | 200,000 | 335,000 | 477,000 |
| Pretax income | 1,148,000 | 3,142,000 | 4,774,000 | 6,489,000 |
| Income tax | 344,000 | 968,000 | 1,458,000 | 1,999,000 |
| Net income | 804,000 | 2,174,000 | 3,316,000 | 4,490,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,668,000 | 72,095,000 | 73,306,000 | 74,539,000 |
| Total capital | 75,862,000 | 77,388,000 | 78,734,000 | 80,004,000 |
| Risk-weighted assets | 415,475,000 | 426,948,000 | 459,997,000 | 482,040,000 |