Call reports 2016
VIST BANK — 2016
What VIST BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,453,665,000 | 1,516,583,000 | 1,563,635,000 | 1,585,661,000 |
| Total loans | 1,097,912,000 | 1,162,173,000 | 1,185,696,000 | 1,198,142,000 |
| Allowance for loan losses | 6,736,000 | 6,962,000 | 7,245,000 | 7,553,000 |
| Securities available for sale | 229,836,000 | 224,153,000 | 222,667,000 | 239,076,000 |
| Securities held to maturity | 9,953,000 | 9,955,000 | 9,956,000 | 9,958,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 994,939,000 | 991,862,000 | 1,049,412,000 | 1,067,331,000 |
| Interest-bearing deposits | 792,571,000 | 785,221,000 | 824,263,000 | 849,476,000 |
| Noninterest-bearing deposits | 202,368,000 | 206,641,000 | 225,149,000 | 217,855,000 |
| Equity capital | 171,846,000 | 174,453,000 | 175,638,000 | 174,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 12,909,000 | 26,402,000 | 40,001,000 | 54,077,000 |
| Interest expense | 1,361,000 | 2,872,000 | 4,503,000 | 6,280,000 |
| Net interest income | 11,548,000 | 23,530,000 | 35,498,000 | 47,797,000 |
| Noninterest income | 1,089,000 | 2,237,000 | 3,257,000 | 4,401,000 |
| Noninterest expense | 8,724,000 | 17,635,000 | 26,885,000 | 35,686,000 |
| Provision for loan losses | 369,000 | 1,007,000 | 1,225,000 | 1,855,000 |
| Pretax income | 3,563,000 | 7,172,000 | 10,707,000 | 14,719,000 |
| Income tax | 1,045,000 | 2,059,000 | 3,062,000 | 4,220,000 |
| Net income | 2,518,000 | 5,113,000 | 7,645,000 | 10,499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,475,000 | 129,160,000 | 130,928,000 | 133,505,000 |
| Total capital | 134,345,000 | 136,257,000 | 138,308,000 | 141,193,000 |
| Risk-weighted assets | 1,094,254,000 | 1,156,414,000 | 1,174,141,000 | 1,188,949,000 |