Call reports 2010
VAST BANK, N.A. — 2010
What VAST BANK, N.A. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 238,035,000 | 232,478,000 | 229,979,000 | 218,148,000 |
| Total loans | 182,694,000 | 165,396,000 | 161,891,000 | 162,713,000 |
| Allowance for loan losses | 2,837,000 | 2,510,000 | 2,537,000 | 2,401,000 |
| Securities available for sale | 1,965,000 | 1,973,000 | 2,402,000 | 5,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,378,000 | 209,689,000 | 206,405,000 | 194,816,000 |
| Interest-bearing deposits | 183,990,000 | 175,476,000 | 170,118,000 | 161,669,000 |
| Noninterest-bearing deposits | 33,388,000 | 34,213,000 | 36,287,000 | 33,147,000 |
| Equity capital | 19,016,000 | 19,856,000 | 20,170,000 | 20,455,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,500,000 | 4,823,000 | 6,980,000 | 9,081,000 |
| Interest expense | 555,000 | 1,172,000 | 1,769,000 | 2,316,000 |
| Net interest income | 1,945,000 | 3,651,000 | 5,211,000 | 6,765,000 |
| Noninterest income | 140,000 | 326,000 | 507,000 | 665,000 |
| Noninterest expense | 1,213,000 | 2,469,000 | 3,724,000 | 4,982,000 |
| Provision for loan losses | 105,000 | 235,000 | 340,000 | 395,000 |
| Pretax income | 767,000 | 1,273,000 | 1,654,000 | 2,053,000 |
| Income tax | 323,000 | 495,000 | 495,000 | 529,000 |
| Net income | 444,000 | 778,000 | 1,159,000 | 1,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,000,000 | 19,833,000 | 20,103,000 | 20,469,000 |
| Total capital | 21,336,000 | 21,910,000 | 22,151,000 | 22,564,000 |
| Risk-weighted assets | 186,401,000 | 165,747,000 | 163,320,000 | 167,288,000 |