Call reports 2008
BANKVISTA — 2008
What BANKVISTA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 81,275,000 | 80,758,000 | 82,929,000 | 89,412,000 |
| Total loans | 69,781,000 | 71,397,000 | 75,211,000 | 79,688,000 |
| Allowance for loan losses | 828,000 | 805,000 | 852,000 | 911,000 |
| Securities available for sale | 2,282,000 | 2,258,000 | 2,260,000 | 2,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,629,000 | 61,318,000 | 60,354,000 | 67,680,000 |
| Interest-bearing deposits | 57,551,000 | 57,099,000 | 56,005,000 | 62,907,000 |
| Noninterest-bearing deposits | 6,078,000 | 4,219,000 | 4,349,000 | 4,773,000 |
| Equity capital | 8,126,000 | 8,044,000 | 8,132,000 | 8,178,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,330,000 | 2,596,000 | 3,874,000 | 5,173,000 |
| Interest expense | 704,000 | 1,334,000 | 1,958,000 | 2,610,000 |
| Net interest income | 626,000 | 1,262,000 | 1,916,000 | 2,563,000 |
| Noninterest income | 113,000 | 230,000 | 338,000 | 434,000 |
| Noninterest expense | 620,000 | 1,341,000 | 1,910,000 | 2,503,000 |
| Provision for loan losses | 60,000 | 116,000 | 182,000 | 248,000 |
| Pretax income | 59,000 | 35,000 | 162,000 | 246,000 |
| Income tax | 26,000 | 16,000 | 57,000 | 114,000 |
| Net income | 33,000 | 19,000 | 105,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,098,000 | 8,033,000 | 8,121,000 | 8,147,000 |
| Total capital | 8,926,000 | 8,838,000 | 8,973,000 | 9,058,000 |
| Risk-weighted assets | 73,946,000 | 75,616,000 | 79,100,000 | 82,121,000 |