Call reports 2005
VANTAGESOUTH BANK — 2005
What VANTAGESOUTH BANK 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 | 353,531,000 | 392,598,000 | 404,713,000 | 410,849,000 |
| Total loans | 278,279,000 | 301,111,000 | 322,192,000 | 328,322,000 |
| Allowance for loan losses | 3,876,000 | 4,066,000 | 4,293,000 | 4,351,000 |
| Securities available for sale | 51,711,000 | 52,252,000 | 53,155,000 | 55,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,658,000 | 324,014,000 | 313,960,000 | 335,002,000 |
| Interest-bearing deposits | 243,224,000 | 273,591,000 | 260,964,000 | 287,787,000 |
| Noninterest-bearing deposits | 43,434,000 | 50,423,000 | 52,997,000 | 47,215,000 |
| Equity capital | 33,442,000 | 35,174,000 | 35,899,000 | 37,002,000 |
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 | 4,794,000 | 10,213,000 | 16,291,000 | 22,917,000 |
| Interest expense | 1,630,000 | 3,587,000 | 5,868,000 | 8,531,000 |
| Net interest income | 3,164,000 | 6,626,000 | 10,423,000 | 14,386,000 |
| Noninterest income | 510,000 | 1,064,000 | 1,672,000 | 2,326,000 |
| Noninterest expense | 2,410,000 | 5,011,000 | 7,712,000 | 10,702,000 |
| Provision for loan losses | 204,000 | 506,000 | 747,000 | 807,000 |
| Pretax income | 1,060,000 | 2,174,000 | 3,620,000 | 5,187,000 |
| Income tax | 354,000 | 733,000 | 1,240,000 | 1,789,000 |
| Net income | 706,000 | 1,441,000 | 2,380,000 | 3,398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,217,000 | 31,458,000 | 32,401,000 | 33,924,000 |
| Total capital | 34,085,000 | 35,524,000 | 36,694,000 | 38,275,000 |
| Risk-weighted assets | 309,457,000 | 335,456,000 | 358,235,000 | 370,534,000 |
Machine access — free, no API key
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