Call reports 2019
VIST BANK — 2019
What VIST BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,707,687,000 | 1,701,342,000 | 1,817,332,000 | 1,769,026,000 |
| Total loans | 1,333,977,000 | 1,349,379,000 | 1,336,706,000 | 1,342,016,000 |
| Allowance for loan losses | 9,205,000 | 9,418,000 | 9,557,000 | 8,744,000 |
| Securities available for sale | 226,046,000 | 208,500,000 | 220,336,000 | 236,118,000 |
| Securities held to maturity | 9,972,000 | 9,973,000 | 9,975,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,193,388,000 | 1,261,633,000 | 1,391,677,000 | 1,348,295,000 |
| Interest-bearing deposits | 893,377,000 | 948,896,000 | 1,074,883,000 | 1,031,680,000 |
| Noninterest-bearing deposits | 300,011,000 | 312,737,000 | 316,794,000 | 316,615,000 |
| Equity capital | 190,328,000 | 192,933,000 | 192,505,000 | 195,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 17,002,000 | 34,399,000 | 52,019,000 | 70,080,000 |
| Interest expense | 4,434,000 | 8,923,000 | 13,561,000 | 18,000,000 |
| Net interest income | 12,568,000 | 25,476,000 | 38,458,000 | 52,080,000 |
| Noninterest income | 2,016,000 | 3,356,000 | 4,659,000 | 6,271,000 |
| Noninterest expense | 9,545,000 | 19,605,000 | 29,511,000 | 39,689,000 |
| Provision for loan losses | 631,000 | 704,000 | 907,000 | 344,000 |
| Pretax income | 4,420,000 | 8,554,000 | 12,747,000 | 18,426,000 |
| Income tax | 709,000 | 1,378,000 | 2,050,000 | 3,089,000 |
| Net income | 3,711,000 | 7,176,000 | 10,697,000 | 15,337,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,840,000 | 149,824,000 | 148,867,000 | 152,550,000 |
| Total capital | 158,310,000 | 159,507,000 | 158,688,000 | 161,559,000 |
| Risk-weighted assets | 1,334,938,000 | 1,336,776,000 | 1,344,231,000 | 1,326,046,000 |