Call reports 2006
VAST BANK, N.A. — 2006
What VAST BANK, N.A. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 153,206,000 | 150,343,000 | 166,430,000 | 171,547,000 |
| Total loans | 131,636,000 | 137,680,000 | 139,554,000 | 142,468,000 |
| Allowance for loan losses | 1,310,000 | 1,340,000 | 1,363,000 | 1,392,000 |
| Securities available for sale | 453,000 | 338,000 | 2,622,000 | 3,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,963,000 | 134,125,000 | 152,111,000 | 156,674,000 |
| Interest-bearing deposits | 101,517,000 | 104,182,000 | 122,431,000 | 128,943,000 |
| Noninterest-bearing deposits | 31,446,000 | 29,943,000 | 29,680,000 | 27,731,000 |
| Equity capital | 12,484,000 | 13,072,000 | 13,657,000 | 14,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,671,000 | 5,573,000 | 8,751,000 | 11,987,000 |
| Interest expense | 976,000 | 2,068,000 | 3,392,000 | 4,785,000 |
| Net interest income | 1,695,000 | 3,505,000 | 5,359,000 | 7,202,000 |
| Noninterest income | 149,000 | 384,000 | 555,000 | 754,000 |
| Noninterest expense | 1,235,000 | 2,291,000 | 3,208,000 | 4,106,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 579,000 | 1,538,000 | 2,616,000 | 3,730,000 |
| Income tax | 220,000 | 585,000 | 985,000 | 1,405,000 |
| Net income | 359,000 | 953,000 | 1,631,000 | 2,325,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,490,000 | 13,085,000 | 13,657,000 | 14,352,000 |
| Total capital | 13,800,000 | 14,425,000 | 15,020,000 | 15,744,000 |
| Risk-weighted assets | 137,746,000 | 142,801,000 | 149,363,000 | 153,840,000 |