Call reports 2012
VAST BANK, N.A. — 2012
What VAST BANK, N.A. reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 246,703,000 | 221,669,000 | 224,649,000 | 221,575,000 |
| Total loans | 161,906,000 | 160,388,000 | 175,730,000 | 167,307,000 |
| Allowance for loan losses | 2,922,000 | 3,005,000 | 2,885,000 | 3,013,000 |
| Securities available for sale | 7,706,000 | 12,618,000 | 13,571,000 | 12,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 222,002,000 | 196,917,000 | 199,381,000 | 197,637,000 |
| Interest-bearing deposits | 180,119,000 | 157,954,000 | 159,499,000 | 151,602,000 |
| Noninterest-bearing deposits | 41,883,000 | 38,963,000 | 39,882,000 | 46,035,000 |
| Equity capital | 21,421,000 | 21,709,000 | 21,647,000 | 20,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,026,000 | 4,079,000 | 6,331,000 | 8,492,000 |
| Interest expense | 370,000 | 712,000 | 1,025,000 | 1,296,000 |
| Net interest income | 1,656,000 | 3,367,000 | 5,306,000 | 7,196,000 |
| Noninterest income | 177,000 | 307,000 | -163,000 | 49,000 |
| Noninterest expense | 1,305,000 | 2,578,000 | 3,848,000 | 5,186,000 |
| Provision for loan losses | 100,000 | 183,000 | 222,000 | 3,048,000 |
| Pretax income | 428,000 | 950,000 | 1,144,000 | -897,000 |
| Income tax | 204,000 | 459,000 | 638,000 | -348,000 |
| Net income | 224,000 | 491,000 | 506,000 | -549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,439,000 | 21,692,000 | 21,610,000 | 20,555,000 |
| Total capital | 23,580,000 | 23,834,000 | 23,925,000 | 22,794,000 |
| Risk-weighted assets | 170,444,000 | 170,457,000 | 184,577,000 | 178,316,000 |