Call reports 2011
VAST BANK, N.A. — 2011
What VAST BANK, N.A. reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 234,318,000 | 209,754,000 | 222,187,000 | 219,674,000 |
| Total loans | 156,430,000 | 157,077,000 | 159,525,000 | 159,701,000 |
| Allowance for loan losses | 2,413,000 | 2,535,000 | 2,730,000 | 2,817,000 |
| Securities available for sale | 5,136,000 | 4,861,000 | 1,760,000 | 1,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,605,000 | 185,919,000 | 198,025,000 | 195,284,000 |
| Interest-bearing deposits | 176,989,000 | 152,916,000 | 157,566,000 | 157,469,000 |
| Noninterest-bearing deposits | 33,616,000 | 33,003,000 | 40,459,000 | 37,815,000 |
| Equity capital | 20,572,000 | 20,898,000 | 21,115,000 | 21,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,063,000 | 4,132,000 | 6,195,000 | 8,226,000 |
| Interest expense | 529,000 | 1,040,000 | 1,489,000 | 1,876,000 |
| Net interest income | 1,534,000 | 3,092,000 | 4,706,000 | 6,350,000 |
| Noninterest income | 183,000 | 351,000 | 504,000 | 743,000 |
| Noninterest expense | 1,224,000 | 2,452,000 | 3,698,000 | 4,879,000 |
| Provision for loan losses | 144,000 | 261,000 | 386,000 | 471,000 |
| Pretax income | 349,000 | 730,000 | 1,245,000 | 1,862,000 |
| Income tax | 155,000 | 260,000 | 432,000 | 783,000 |
| Net income | 194,000 | 470,000 | 813,000 | 1,079,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,552,000 | 20,828,000 | 21,060,000 | 21,326,000 |
| Total capital | 22,581,000 | 22,857,000 | 23,083,000 | 23,380,000 |
| Risk-weighted assets | 161,938,000 | 161,813,000 | 161,121,000 | 163,549,000 |