Call reports 2005
VERITEX COMMUNITY BANK — 2005
What VERITEX COMMUNITY 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 | 33,142,000 | 39,777,000 | 44,598,000 | 53,726,000 |
| Total loans | 23,708,000 | 28,335,000 | 32,558,000 | 37,296,000 |
| Allowance for loan losses | 444,000 | 444,000 | 444,000 | 444,000 |
| Securities available for sale | 6,360,000 | 6,437,000 | 6,337,000 | 6,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,588,000 | 30,153,000 | 35,055,000 | 44,218,000 |
| Interest-bearing deposits | 20,628,000 | 22,789,000 | 26,319,000 | 32,220,000 |
| Noninterest-bearing deposits | 3,960,000 | 7,364,000 | 8,736,000 | 11,998,000 |
| Equity capital | 6,450,000 | 6,546,000 | 6,435,000 | 6,391,000 |
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 | 412,000 | 916,000 | 1,546,000 | 2,331,000 |
| Interest expense | 92,000 | 207,000 | 363,000 | 581,000 |
| Net interest income | 320,000 | 709,000 | 1,183,000 | 1,750,000 |
| Noninterest income | 8,000 | 131,000 | 144,000 | 165,000 |
| Noninterest expense | 394,000 | 874,000 | 1,422,000 | 2,031,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | -91,000 | -59,000 | -120,000 | -141,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -91,000 | -59,000 | -120,000 | -141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,534,000 | 6,566,000 | 6,504,000 | 6,483,000 |
| Total capital | 6,808,000 | 6,903,000 | 6,891,000 | 6,927,000 |
| Risk-weighted assets | 21,747,000 | 26,815,000 | 30,856,000 | 37,601,000 |
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