Call reports 2018
VAST BANK, N.A. — 2018
What VAST BANK, N.A. reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 664,347,000 | 601,692,000 | 647,359,000 | 624,928,000 |
| Total loans | 466,442,000 | 498,513,000 | 500,458,000 | 486,878,000 |
| Allowance for loan losses | 5,843,000 | 6,286,000 | 6,404,000 | 6,537,000 |
| Securities available for sale | 36,665,000 | 36,352,000 | 35,213,000 | 34,845,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 606,742,000 | 543,256,000 | 587,667,000 | 555,492,000 |
| Interest-bearing deposits | 511,901,000 | 454,673,000 | 504,608,000 | 479,393,000 |
| Noninterest-bearing deposits | 94,841,000 | 88,583,000 | 83,059,000 | 76,099,000 |
| Equity capital | 53,653,000 | 55,156,000 | 56,458,000 | 65,850,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 6,118,000 | 12,978,000 | 20,333,000 | 27,811,000 |
| Interest expense | 1,041,000 | 2,204,000 | 3,847,000 | 5,767,000 |
| Net interest income | 5,077,000 | 10,774,000 | 16,486,000 | 22,044,000 |
| Noninterest income | 542,000 | 1,080,000 | 1,550,000 | 1,997,000 |
| Noninterest expense | 3,642,000 | 7,492,000 | 11,556,000 | 15,731,000 |
| Provision for loan losses | 136,000 | 511,000 | 646,000 | 782,000 |
| Pretax income | 1,841,000 | 3,851,000 | 5,834,000 | 7,528,000 |
| Income tax | 426,000 | 875,000 | 1,410,000 | 1,815,000 |
| Net income | 1,415,000 | 2,976,000 | 4,424,000 | 5,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,672,000 | 55,169,000 | 56,487,000 | 65,862,000 |
| Total capital | 59,572,000 | 61,512,000 | 62,948,000 | 72,456,000 |
| Risk-weighted assets | 531,035,000 | 554,104,000 | 557,870,000 | 551,150,000 |