Call reports 2002
VAST BANK, N.A. — 2002
What VAST BANK, N.A. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 114,557,000 | 116,010,000 | 118,027,000 | 121,231,000 |
| Total loans | 98,918,000 | 101,057,000 | 99,770,000 | 107,508,000 |
| Allowance for loan losses | 772,000 | 809,000 | 818,000 | 854,000 |
| Securities available for sale | 1,542,000 | 1,142,000 | 1,509,000 | 1,492,000 |
| Securities held to maturity | 4,133,000 | 2,637,000 | 2,143,000 | 1,649,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,485,000 | 105,732,000 | 107,709,000 | 110,918,000 |
| Interest-bearing deposits | 83,774,000 | 85,404,000 | 88,302,000 | 89,933,000 |
| Noninterest-bearing deposits | 20,711,000 | 20,328,000 | 19,407,000 | 20,985,000 |
| Equity capital | 8,901,000 | 9,122,000 | 9,199,000 | 9,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,569,000 | 3,120,000 | 4,700,000 | 6,289,000 |
| Interest expense | 542,000 | 1,072,000 | 1,649,000 | 2,193,000 |
| Net interest income | 1,027,000 | 2,048,000 | 3,051,000 | 4,096,000 |
| Noninterest income | 204,000 | 374,000 | 599,000 | 824,000 |
| Noninterest expense | 1,025,000 | 1,938,000 | 2,887,000 | 3,853,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 150,000 |
| Pretax income | 211,000 | 592,000 | 946,000 | 1,265,000 |
| Income tax | 94,000 | 252,000 | 400,000 | 535,000 |
| Net income | 117,000 | 340,000 | 546,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,865,000 | 9,087,000 | 9,188,000 | 9,373,000 |
| Total capital | 9,637,000 | 9,896,000 | 10,006,000 | 10,227,000 |
| Risk-weighted assets | 103,627,000 | 104,992,000 | 104,023,000 | 111,667,000 |