Call reports 2013
VAST BANK, N.A. — 2013
What VAST BANK, N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 225,563,000 | 211,344,000 | 210,174,000 | 217,381,000 |
| Total loans | 158,724,000 | 167,076,000 | 157,610,000 | 157,186,000 |
| Allowance for loan losses | 2,731,000 | 2,896,000 | 2,921,000 | 2,680,000 |
| Securities available for sale | 13,519,000 | 26,017,000 | 26,027,000 | 25,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 201,102,000 | 187,320,000 | 185,645,000 | 192,526,000 |
| Interest-bearing deposits | 161,525,000 | 153,503,000 | 149,124,000 | 154,627,000 |
| Noninterest-bearing deposits | 39,577,000 | 33,817,000 | 36,521,000 | 37,899,000 |
| Equity capital | 20,930,000 | 21,021,000 | 21,479,000 | 21,677,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,083,000 | 4,169,000 | 6,224,000 | 8,340,000 |
| Interest expense | 236,000 | 442,000 | 622,000 | 795,000 |
| Net interest income | 1,847,000 | 3,727,000 | 5,602,000 | 7,545,000 |
| Noninterest income | 169,000 | 320,000 | 502,000 | 475,000 |
| Noninterest expense | 1,303,000 | 2,721,000 | 4,059,000 | 5,822,000 |
| Provision for loan losses | 95,000 | 95,000 | 120,000 | 365,000 |
| Pretax income | 618,000 | 1,231,000 | 1,925,000 | 1,833,000 |
| Income tax | 137,000 | 368,000 | 631,000 | 170,000 |
| Net income | 481,000 | 863,000 | 1,294,000 | 1,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,925,000 | 21,119,000 | 21,514,000 | 21,711,000 |
| Total capital | 23,065,000 | 23,415,000 | 23,725,000 | 23,944,000 |
| Risk-weighted assets | 170,592,000 | 183,078,000 | 176,152,000 | 178,135,000 |