Call reports 2015
VAST BANK, N.A. — 2015
What VAST BANK, N.A. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 413,689,000 | 422,387,000 | 445,683,000 | 454,844,000 |
| Total loans | 307,762,000 | 339,115,000 | 344,841,000 | 355,453,000 |
| Allowance for loan losses | 4,457,000 | 4,331,000 | 4,754,000 | 4,704,000 |
| Securities available for sale | 46,079,000 | 45,720,000 | 44,501,000 | 42,878,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 370,773,000 | 379,401,000 | 401,846,000 | 410,386,000 |
| Interest-bearing deposits | 310,442,000 | 315,856,000 | 337,198,000 | 341,658,000 |
| Noninterest-bearing deposits | 60,331,000 | 63,545,000 | 64,648,000 | 68,728,000 |
| Equity capital | 39,791,000 | 40,115,000 | 40,602,000 | 41,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,947,000 | 8,078,000 | 12,558,000 | 16,983,000 |
| Interest expense | 461,000 | 938,000 | 1,435,000 | 1,941,000 |
| Net interest income | 3,486,000 | 7,140,000 | 11,123,000 | 15,042,000 |
| Noninterest income | 240,000 | 503,000 | 887,000 | 1,372,000 |
| Noninterest expense | 2,940,000 | 6,076,000 | 9,177,000 | 12,070,000 |
| Provision for loan losses | -45,000 | -25,000 | 410,000 | 570,000 |
| Pretax income | 831,000 | 1,592,000 | 2,423,000 | 3,774,000 |
| Income tax | 271,000 | 517,000 | 789,000 | 1,140,000 |
| Net income | 560,000 | 1,075,000 | 1,634,000 | 2,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,713,000 | 40,100,000 | 40,548,000 | 41,364,000 |
| Total capital | 44,227,000 | 44,488,000 | 45,359,000 | 46,125,000 |
| Risk-weighted assets | 365,724,000 | 400,106,000 | 406,788,000 | 413,661,000 |