Call reports 2007
BANKVISTA — 2007
What BANKVISTA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 80,012,000 | 72,538,000 | 77,079,000 | 80,287,000 |
| Total loans | 68,826,000 | 67,848,000 | 72,186,000 | 72,501,000 |
| Allowance for loan losses | 878,000 | 929,000 | 999,000 | 805,000 |
| Securities available for sale | 3,728,000 | 2,218,000 | 2,241,000 | 2,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,272,000 | 63,682,000 | 62,725,000 | 64,316,000 |
| Interest-bearing deposits | 63,551,000 | 58,355,000 | 59,247,000 | 59,330,000 |
| Noninterest-bearing deposits | 5,721,000 | 5,327,000 | 3,478,000 | 4,986,000 |
| Equity capital | 7,898,000 | 7,828,000 | 7,930,000 | 8,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,273,000 | 2,578,000 | 3,903,000 | 5,261,000 |
| Interest expense | 771,000 | 1,523,000 | 2,274,000 | 3,045,000 |
| Net interest income | 502,000 | 1,055,000 | 1,629,000 | 2,216,000 |
| Noninterest income | 77,000 | 249,000 | 355,000 | 439,000 |
| Noninterest expense | 516,000 | 1,034,000 | 1,532,000 | 2,061,000 |
| Provision for loan losses | 40,000 | 184,000 | 214,000 | 256,000 |
| Pretax income | 23,000 | 86,000 | 238,000 | 338,000 |
| Income tax | 9,000 | 34,000 | 95,000 | 53,000 |
| Net income | 14,000 | 52,000 | 143,000 | 285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,893,000 | 7,831,000 | 7,922,000 | 8,064,000 |
| Total capital | 8,771,000 | 8,703,000 | 8,839,000 | 8,869,000 |
| Risk-weighted assets | 71,434,000 | 69,678,000 | 73,293,000 | 76,787,000 |