Call reports 2015
BANKVISTA — 2015
What BANKVISTA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 153,127,000 | 155,396,000 | 159,341,000 | 168,964,000 |
| Total loans | 128,727,000 | 129,695,000 | 131,472,000 | 143,947,000 |
| Allowance for loan losses | 2,165,000 | 2,132,000 | 2,118,000 | 2,055,000 |
| Securities available for sale | 679,000 | 630,000 | 589,000 | 550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,579,000 | 130,966,000 | 134,436,000 | 141,378,000 |
| Interest-bearing deposits | 111,335,000 | 115,328,000 | 116,064,000 | 121,607,000 |
| Noninterest-bearing deposits | 16,244,000 | 15,638,000 | 18,372,000 | 19,771,000 |
| Equity capital | 13,954,000 | 14,060,000 | 14,456,000 | 15,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,839,000 | 3,645,000 | 5,305,000 | 7,062,000 |
| Interest expense | 206,000 | 449,000 | 715,000 | 971,000 |
| Net interest income | 1,633,000 | 3,196,000 | 4,590,000 | 6,091,000 |
| Noninterest income | 710,000 | 1,142,000 | 1,817,000 | 2,650,000 |
| Noninterest expense | 1,371,000 | 2,819,000 | 4,181,000 | 5,687,000 |
| Provision for loan losses | 70,000 | 103,000 | 168,000 | 220,000 |
| Pretax income | 902,000 | 1,416,000 | 2,058,000 | 2,834,000 |
| Income tax | 360,000 | 605,000 | 851,000 | 1,153,000 |
| Net income | 542,000 | 811,000 | 1,207,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,928,000 | 14,036,000 | 14,433,000 | 15,073,000 |
| Total capital | 15,292,000 | 15,372,000 | 15,911,000 | 16,752,000 |
| Risk-weighted assets | 108,351,000 | 106,140,000 | 117,626,000 | 134,004,000 |