Call reports 2003
VINTAGE BANK — 2003
What VINTAGE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 57,285,000 | 61,985,000 | 64,277,000 | 63,400,000 |
| Total loans | 48,139,000 | 47,453,000 | 50,710,000 | 53,454,000 |
| Allowance for loan losses | 465,000 | 698,000 | 724,000 | 622,000 |
| Securities available for sale | 3,033,000 | 2,871,000 | 3,615,000 | 3,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,661,000 | 55,581,000 | 57,775,000 | 56,726,000 |
| Interest-bearing deposits | 42,501,000 | 46,171,000 | 46,116,000 | 45,613,000 |
| Noninterest-bearing deposits | 8,160,000 | 9,410,000 | 11,659,000 | 11,113,000 |
| Equity capital | 5,504,000 | 6,280,000 | 6,360,000 | 6,442,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 883,000 | 1,798,000 | 2,757,000 | 3,756,000 |
| Interest expense | 229,000 | 464,000 | 676,000 | 861,000 |
| Net interest income | 654,000 | 1,334,000 | 2,081,000 | 2,895,000 |
| Noninterest income | 83,000 | 177,000 | 286,000 | 428,000 |
| Noninterest expense | 489,000 | 993,000 | 1,556,000 | 2,179,000 |
| Provision for loan losses | 55,000 | 321,000 | 381,000 | 511,000 |
| Pretax income | 193,000 | 197,000 | 430,000 | 633,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 197,000 | 430,000 | 633,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,500,000 | 5,306,000 | 5,409,000 | 5,511,000 |
| Total capital | 4,965,000 | 5,938,000 | 6,090,000 | 6,133,000 |
| Risk-weighted assets | 49,153,000 | 50,484,000 | 54,958,000 | 56,069,000 |