Call reports 2012
VIST BANK — 2012
What VIST BANK 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 | 1,392,119,000 | 1,394,387,000 | 1,397,434,000 | 1,310,424,000 |
| Total loans | 949,656,000 | 937,278,000 | 887,278,000 | 852,627,000 |
| Allowance for loan losses | 13,664,000 | 14,237,000 | 69,000 | 373,000 |
| Securities available for sale | 363,349,000 | 381,324,000 | 313,782,000 | 294,440,000 |
| Securities held to maturity | 1,534,000 | 1,506,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,170,107,000 | 1,173,882,000 | 1,209,784,000 | 1,118,742,000 |
| Interest-bearing deposits | 1,093,405,000 | 1,096,625,000 | 1,135,960,000 | 978,952,000 |
| Noninterest-bearing deposits | 76,703,000 | 77,257,000 | 73,825,000 | 139,791,000 |
| Equity capital | 113,876,000 | 115,445,000 | 145,535,000 | 147,837,000 |
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 | 16,166,000 | 32,525,000 | 10,005,000 | 25,963,000 |
| Interest expense | 4,728,000 | 9,276,000 | 942,000 | 2,611,000 |
| Net interest income | 11,438,000 | 23,249,000 | 9,063,000 | 23,352,000 |
| Noninterest income | 1,192,000 | 2,001,000 | 1,222,000 | 2,451,000 |
| Noninterest expense | 8,996,000 | 18,581,000 | 5,748,000 | 13,120,000 |
| Provision for loan losses | 2,200,000 | 4,270,000 | 89,000 | 394,000 |
| Pretax income | 1,434,000 | 2,400,000 | 4,273,000 | 11,610,000 |
| Income tax | 0 | 0 | 1,213,000 | 3,450,000 |
| Net income | 1,434,000 | 2,400,000 | 3,060,000 | 8,160,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 105,817,000 | 106,789,000 | 91,836,000 | 97,365,000 |
| Total capital | 117,689,000 | 118,604,000 | 92,037,000 | 97,870,000 |
| Risk-weighted assets | 947,857,000 | 942,620,000 | 868,596,000 | 831,134,000 |