Call reports 2019
VAST BANK, N.A. — 2019
What VAST BANK, N.A. reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 680,455,000 | 626,627,000 | 651,154,000 | 681,287,000 |
| Total loans | 484,717,000 | 494,360,000 | 483,529,000 | 494,509,000 |
| Allowance for loan losses | 6,256,000 | 6,509,000 | 6,113,000 | 6,354,000 |
| Securities available for sale | 5,856,000 | 4,499,000 | 8,029,000 | 6,835,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,030,000 | 555,536,000 | 557,327,000 | 581,102,000 |
| Interest-bearing deposits | 529,372,000 | 475,419,000 | 475,691,000 | 486,025,000 |
| Noninterest-bearing deposits | 80,658,000 | 80,117,000 | 81,636,000 | 95,077,000 |
| Equity capital | 66,052,000 | 67,679,000 | 67,723,000 | 68,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,524,000 | 15,204,000 | 22,648,000 | 29,950,000 |
| Interest expense | 2,115,000 | 4,361,000 | 6,548,000 | 8,766,000 |
| Net interest income | 5,409,000 | 10,843,000 | 16,100,000 | 21,184,000 |
| Noninterest income | 487,000 | 2,211,000 | 3,006,000 | 3,726,000 |
| Noninterest expense | 4,245,000 | 8,755,000 | 13,277,000 | 17,819,000 |
| Provision for loan losses | 150,000 | 750,000 | 900,000 | 1,478,000 |
| Pretax income | 1,588,000 | 3,809,000 | 5,232,000 | 5,851,000 |
| Income tax | 391,000 | 996,000 | 1,337,000 | 1,487,000 |
| Net income | 1,197,000 | 2,813,000 | 3,895,000 | 4,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,048,000 | 67,664,000 | 67,735,000 | 68,204,000 |
| Total capital | 72,361,000 | 74,230,000 | 73,905,000 | 74,615,000 |
| Risk-weighted assets | 546,828,000 | 564,277,000 | 562,105,000 | 574,187,000 |