Call reports 2009
VAST BANK, N.A. — 2009
What VAST BANK, N.A. reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 217,931,000 | 213,537,000 | 221,780,000 | 219,702,000 |
| Total loans | 187,771,000 | 194,712,000 | 191,689,000 | 185,506,000 |
| Allowance for loan losses | 1,746,000 | 2,726,000 | 2,689,000 | 2,732,000 |
| Securities available for sale | 3,141,000 | 2,947,000 | 2,128,000 | 1,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,600,000 | 171,993,000 | 189,681,000 | 194,860,000 |
| Interest-bearing deposits | 146,719,000 | 145,766,000 | 153,116,000 | 158,037,000 |
| Noninterest-bearing deposits | 28,881,000 | 26,227,000 | 36,565,000 | 36,823,000 |
| Equity capital | 18,708,000 | 18,152,000 | 18,599,000 | 18,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,399,000 | 4,875,000 | 7,429,000 | 9,817,000 |
| Interest expense | 745,000 | 1,459,000 | 2,104,000 | 2,681,000 |
| Net interest income | 1,654,000 | 3,416,000 | 5,325,000 | 7,136,000 |
| Noninterest income | 202,000 | 461,000 | 667,000 | 850,000 |
| Noninterest expense | 1,238,000 | 2,546,000 | 3,771,000 | 4,963,000 |
| Provision for loan losses | 95,000 | 1,082,000 | 1,147,000 | 1,547,000 |
| Pretax income | 523,000 | 249,000 | 1,074,000 | 1,476,000 |
| Income tax | 224,000 | 484,000 | 811,000 | 1,105,000 |
| Net income | 299,000 | -235,000 | 263,000 | 371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,694,000 | 18,159,000 | 18,553,000 | 18,660,000 |
| Total capital | 20,440,000 | 20,722,000 | 21,104,000 | 21,136,000 |
| Risk-weighted assets | 203,480,000 | 204,867,000 | 203,908,000 | 197,841,000 |