Call reports 2015
VIST BANK — 2015
What VIST BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,376,678,000 | 1,406,809,000 | 1,429,389,000 | 1,431,681,000 |
| Total loans | 1,000,811,000 | 1,041,018,000 | 1,061,720,000 | 1,074,839,000 |
| Allowance for loan losses | 5,429,000 | 5,894,000 | 6,148,000 | 6,561,000 |
| Securities available for sale | 244,091,000 | 232,621,000 | 229,404,000 | 228,016,000 |
| Securities held to maturity | 5,000,000 | 9,949,000 | 9,950,000 | 9,952,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 956,567,000 | 946,549,000 | 1,045,438,000 | 1,035,378,000 |
| Interest-bearing deposits | 767,980,000 | 751,740,000 | 843,632,000 | 822,534,000 |
| Noninterest-bearing deposits | 188,587,000 | 194,809,000 | 201,806,000 | 212,843,000 |
| Equity capital | 163,351,000 | 164,129,000 | 167,458,000 | 167,945,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 12,734,000 | 25,440,000 | 38,523,000 | 51,410,000 |
| Interest expense | 1,076,000 | 2,247,000 | 3,534,000 | 4,757,000 |
| Net interest income | 11,658,000 | 23,193,000 | 34,989,000 | 46,653,000 |
| Noninterest income | 1,148,000 | 3,119,000 | 4,356,000 | 5,448,000 |
| Noninterest expense | 8,654,000 | 16,808,000 | 25,466,000 | 33,899,000 |
| Provision for loan losses | 321,000 | 1,102,000 | 1,632,000 | 2,234,000 |
| Pretax income | 3,918,000 | 8,505,000 | 12,357,000 | 15,915,000 |
| Income tax | 1,144,000 | 2,558,000 | 3,698,000 | 4,704,000 |
| Net income | 2,774,000 | 5,947,000 | 8,659,000 | 11,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 121,336,000 | 123,670,000 | 125,585,000 | 127,230,000 |
| Total capital | 126,922,000 | 129,721,000 | 131,868,000 | 133,925,000 |
| Risk-weighted assets | 1,028,530,000 | 1,060,979,000 | 1,056,509,000 | 1,079,643,000 |