Call reports 2004
VERITEX COMMUNITY BANK — 2004
What VERITEX COMMUNITY 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 | 10,351,000 | 16,764,000 | 22,780,000 | 27,202,000 |
| Total loans | 3,582,000 | 11,122,000 | 15,941,000 | 19,348,000 |
| Allowance for loan losses | 15,000 | 108,000 | 162,000 | 419,000 |
| Securities available for sale | 2,538,000 | 3,928,000 | 3,995,000 | 5,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,665,000 | 9,369,000 | 13,451,000 | 18,400,000 |
| Interest-bearing deposits | 2,386,000 | 7,403,000 | 11,101,000 | 14,930,000 |
| Noninterest-bearing deposits | 279,000 | 1,966,000 | 2,350,000 | 3,470,000 |
| Equity capital | 7,658,000 | 7,371,000 | 7,190,000 | 6,614,000 |
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 | 40,000 | 201,000 | 415,000 | 767,000 |
| Interest expense | 2,000 | 18,000 | 52,000 | 117,000 |
| Net interest income | 38,000 | 183,000 | 363,000 | 650,000 |
| Noninterest income | 0 | 2,000 | 10,000 | 15,000 |
| Noninterest expense | 392,000 | 664,000 | 1,023,000 | 1,396,000 |
| Provision for loan losses | 15,000 | 108,000 | 162,000 | 644,000 |
| Pretax income | -369,000 | -587,000 | -812,000 | -1,375,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -369,000 | -587,000 | -812,000 | -1,375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,631,000 | 7,413,000 | 7,188,000 | 6,625,000 |
| Total capital | 7,646,000 | 7,521,000 | 7,350,000 | 6,851,000 |
| Risk-weighted assets | 4,004,000 | 9,741,000 | 14,683,000 | 17,146,000 |
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