Call reports 2004
BANKVISTA — 2004
What BANKVISTA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 41,847,000 | 45,966,000 | 49,648,000 | 51,837,000 |
| Total loans | 31,223,000 | 36,865,000 | 38,657,000 | 43,156,000 |
| Allowance for loan losses | 352,000 | 474,000 | 478,000 | 521,000 |
| Securities available for sale | 3,790,000 | 3,231,000 | 4,263,000 | 4,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,144,000 | 37,285,000 | 40,824,000 | 42,907,000 |
| Interest-bearing deposits | 30,569,000 | 33,906,000 | 37,165,000 | 38,670,000 |
| Noninterest-bearing deposits | 3,575,000 | 3,379,000 | 3,659,000 | 4,237,000 |
| Equity capital | 5,801,000 | 5,751,000 | 5,834,000 | 5,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 531,000 | 1,126,000 | 1,780,000 | 2,505,000 |
| Interest expense | 200,000 | 419,000 | 671,000 | 938,000 |
| Net interest income | 331,000 | 707,000 | 1,109,000 | 1,567,000 |
| Noninterest income | 114,000 | 268,000 | 451,000 | 613,000 |
| Noninterest expense | 411,000 | 846,000 | 1,304,000 | 1,750,000 |
| Provision for loan losses | 32,000 | 157,000 | 163,000 | 205,000 |
| Pretax income | 2,000 | -24,000 | 97,000 | 225,000 |
| Income tax | 1,000 | -10,000 | 39,000 | 88,000 |
| Net income | 1,000 | -14,000 | 58,000 | 137,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,484,000 | 5,467,000 | 5,578,000 | 5,706,000 |
| Total capital | 5,836,000 | 5,941,000 | 6,056,000 | 6,227,000 |
| Risk-weighted assets | 34,907,000 | 40,032,000 | 41,440,000 | 44,729,000 |