Call reports 2005
BANKVISTA — 2005
What BANKVISTA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 53,612,000 | 58,375,000 | 64,759,000 | 66,650,000 |
| Total loans | 42,454,000 | 48,668,000 | 56,107,000 | 56,580,000 |
| Allowance for loan losses | 560,000 | 608,000 | 655,000 | 702,000 |
| Securities available for sale | 3,971,000 | 4,987,000 | 3,714,000 | 3,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,715,000 | 50,322,000 | 55,569,000 | 56,894,000 |
| Interest-bearing deposits | 39,992,000 | 45,920,000 | 51,017,000 | 51,893,000 |
| Noninterest-bearing deposits | 4,723,000 | 4,402,000 | 4,552,000 | 5,001,000 |
| Equity capital | 5,937,000 | 6,000,000 | 6,083,000 | 7,700,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 739,000 | 1,630,000 | 2,633,000 | 3,691,000 |
| Interest expense | 288,000 | 634,000 | 1,055,000 | 1,546,000 |
| Net interest income | 451,000 | 996,000 | 1,578,000 | 2,145,000 |
| Noninterest income | 142,000 | 233,000 | 366,000 | 503,000 |
| Noninterest expense | 482,000 | 984,000 | 1,514,000 | 2,038,000 |
| Provision for loan losses | 41,000 | 87,000 | 134,000 | 181,000 |
| Pretax income | 70,000 | 158,000 | 296,000 | 429,000 |
| Income tax | 28,000 | 63,000 | 118,000 | 172,000 |
| Net income | 42,000 | 95,000 | 178,000 | 257,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,777,000 | 5,865,000 | 6,003,000 | 7,678,000 |
| Total capital | 6,337,000 | 6,473,000 | 6,658,000 | 8,380,000 |
| Risk-weighted assets | 45,618,000 | 52,477,000 | 58,672,000 | 61,154,000 |