Call reports 2004
VANTAGESOUTH BANK — 2004
What VANTAGESOUTH BANK 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 | 322,859,000 | 309,188,000 | 330,988,000 | 330,906,000 |
| Total loans | 234,605,000 | 244,198,000 | 254,025,000 | 257,461,000 |
| Allowance for loan losses | 3,538,000 | 3,556,000 | 3,771,000 | 3,668,000 |
| Securities available for sale | 40,657,000 | 41,487,000 | 46,737,000 | 53,444,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,751,000 | 265,241,000 | 277,094,000 | 276,000,000 |
| Interest-bearing deposits | 218,937,000 | 223,778,000 | 230,042,000 | 233,164,000 |
| Noninterest-bearing deposits | 59,814,000 | 41,463,000 | 47,052,000 | 42,836,000 |
| Equity capital | 30,943,000 | 30,498,000 | 31,945,000 | 32,529,000 |
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 | 3,629,000 | 7,375,000 | 11,464,000 | 15,956,000 |
| Interest expense | 1,176,000 | 2,397,000 | 3,727,000 | 5,193,000 |
| Net interest income | 2,453,000 | 4,978,000 | 7,737,000 | 10,763,000 |
| Noninterest income | 478,000 | 1,046,000 | 1,744,000 | 2,270,000 |
| Noninterest expense | 1,918,000 | 4,040,000 | 6,215,000 | 8,481,000 |
| Provision for loan losses | 256,000 | 384,000 | 582,000 | 736,000 |
| Pretax income | 757,000 | 1,600,000 | 2,684,000 | 3,816,000 |
| Income tax | 248,000 | 524,000 | 892,000 | 1,277,000 |
| Net income | 509,000 | 1,076,000 | 1,792,000 | 2,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,709,000 | 27,282,000 | 28,003,000 | 28,755,000 |
| Total capital | 30,067,000 | 30,684,000 | 31,593,000 | 32,423,000 |
| Risk-weighted assets | 268,449,000 | 271,967,000 | 287,017,000 | 298,266,000 |
Machine access — free, no API key
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