Call reports 2013
VISTA BANK TEXAS — 2013
What VISTA BANK TEXAS reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Total assets | 630,494,000 | 665,223,000 |
| Total loans | 497,554,000 | 503,473,000 |
| Allowance for loan losses | 5,660,000 | 5,874,000 |
| Securities available for sale | 34,946,000 | 32,655,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 485,580,000 | 508,946,000 |
| Interest-bearing deposits | 313,120,000 | 324,997,000 |
| Noninterest-bearing deposits | 172,460,000 | 183,949,000 |
| Equity capital | 83,981,000 | 85,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Interest income | 6,633,000 | 13,546,000 |
| Interest expense | 576,000 | 1,149,000 |
| Net interest income | 6,057,000 | 12,397,000 |
| Noninterest income | 327,000 | 651,000 |
| Noninterest expense | 4,627,000 | 8,831,000 |
| Provision for loan losses | 250,000 | 525,000 |
| Pretax income | 1,507,000 | 3,692,000 |
| Income tax | 461,000 | 1,153,000 |
| Net income | 1,046,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 |
|---|---|---|
| Tier 1 capital | 75,643,000 | 77,195,000 |
| Total capital | 81,303,000 | 83,069,000 |
| Risk-weighted assets | 524,624,000 | 532,710,000 |