Call reports 2007
VIST BANK — 2007
What VIST BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,029,902,000 | 1,047,017,000 | 1,068,200,000 | 1,102,269,000 |
| Total loans | 775,678,000 | 789,699,000 | 808,253,000 | 824,164,000 |
| Allowance for loan losses | 7,792,000 | 7,492,000 | 7,162,000 | 7,264,000 |
| Securities available for sale | 156,134,000 | 164,318,000 | 164,772,000 | 182,600,000 |
| Securities held to maturity | 3,105,000 | 3,097,000 | 3,091,000 | 3,078,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 739,705,000 | 774,831,000 | 751,281,000 | 715,273,000 |
| Interest-bearing deposits | 671,023,000 | 709,885,000 | 690,085,000 | 650,166,000 |
| Noninterest-bearing deposits | 68,682,000 | 64,945,000 | 61,196,000 | 65,107,000 |
| Equity capital | 100,480,000 | 100,978,000 | 104,359,000 | 106,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 16,527,000 | 33,587,000 | 50,902,000 | 68,212,000 |
| Interest expense | 8,006,000 | 16,224,000 | 24,677,000 | 33,032,000 |
| Net interest income | 8,521,000 | 17,363,000 | 26,225,000 | 35,180,000 |
| Noninterest income | 1,883,000 | 3,857,000 | 5,821,000 | 7,580,000 |
| Noninterest expense | 6,946,000 | 15,337,000 | 22,956,000 | 30,663,000 |
| Provision for loan losses | 150,000 | 298,000 | 598,000 | 998,000 |
| Pretax income | 783,000 | 3,060,000 | 6,052,000 | 8,720,000 |
| Income tax | 457,000 | 321,000 | 965,000 | 1,471,000 |
| Net income | 326,000 | 2,739,000 | 5,087,000 | 7,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,490,000 | 74,654,000 | 76,985,000 | 77,994,000 |
| Total capital | 80,282,000 | 82,146,000 | 84,147,000 | 85,258,000 |
| Risk-weighted assets | 784,002,000 | 783,715,000 | 795,207,000 | 811,477,000 |
Machine access — free, no API key
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