Call reports 2005
VAST BANK, N.A. — 2005
What VAST BANK, N.A. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 149,678,000 | 161,868,000 | 167,574,000 | 157,920,000 |
| Total loans | 128,946,000 | 133,921,000 | 136,857,000 | 133,864,000 |
| Allowance for loan losses | 1,194,000 | 1,224,000 | 1,252,000 | 1,280,000 |
| Securities available for sale | 992,000 | 942,000 | 851,000 | 648,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,831,000 | 140,174,000 | 146,344,000 | 138,278,000 |
| Interest-bearing deposits | 90,975,000 | 99,824,000 | 114,484,000 | 103,116,000 |
| Noninterest-bearing deposits | 39,856,000 | 40,350,000 | 31,860,000 | 35,162,000 |
| Equity capital | 10,834,000 | 11,281,000 | 11,649,000 | 12,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,000,000 | 4,292,000 | 6,853,000 | 9,554,000 |
| Interest expense | 590,000 | 1,333,000 | 2,289,000 | 3,295,000 |
| Net interest income | 1,410,000 | 2,959,000 | 4,564,000 | 6,259,000 |
| Noninterest income | 170,000 | 334,000 | 540,000 | 712,000 |
| Noninterest expense | 1,111,000 | 2,073,000 | 3,090,000 | 3,974,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 439,000 | 1,160,000 | 1,924,000 | 2,877,000 |
| Income tax | 176,000 | 459,000 | 748,000 | 1,117,000 |
| Net income | 263,000 | 701,000 | 1,176,000 | 1,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,845,000 | 11,283,000 | 11,652,000 | 12,237,000 |
| Total capital | 12,039,000 | 12,507,000 | 12,904,000 | 13,517,000 |
| Risk-weighted assets | 135,440,000 | 140,923,000 | 142,855,000 | 138,718,000 |