Call reports 2004
VINTAGE BANK — 2004
What VINTAGE 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 | 65,351,000 | 66,653,000 | 72,280,000 | 73,800,000 |
| Total loans | 55,123,000 | 55,990,000 | 60,410,000 | 61,721,000 |
| Allowance for loan losses | 651,000 | 669,000 | 735,000 | 800,000 |
| Securities available for sale | 4,284,000 | 4,105,000 | 4,143,000 | 5,091,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,444,000 | 59,512,000 | 59,964,000 | 63,960,000 |
| Interest-bearing deposits | 46,006,000 | 47,979,000 | 48,676,000 | 51,643,000 |
| Noninterest-bearing deposits | 12,438,000 | 11,533,000 | 11,287,000 | 12,317,000 |
| Equity capital | 6,544,000 | 6,726,000 | 6,882,000 | 6,946,000 |
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 | 986,000 | 2,016,000 | 3,164,000 | 4,401,000 |
| Interest expense | 183,000 | 365,000 | 557,000 | 794,000 |
| Net interest income | 803,000 | 1,651,000 | 2,607,000 | 3,607,000 |
| Noninterest income | 135,000 | 295,000 | 459,000 | 648,000 |
| Noninterest expense | 647,000 | 1,275,000 | 2,043,000 | 2,879,000 |
| Provision for loan losses | 60,000 | 170,000 | 310,000 | 430,000 |
| Pretax income | 231,000 | 501,000 | 713,000 | 946,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 231,000 | 501,000 | 713,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,582,000 | 5,877,000 | 5,973,000 | 6,072,000 |
| Total capital | 6,233,000 | 6,546,000 | 6,708,000 | 6,858,000 |
| Risk-weighted assets | 58,004,000 | 60,440,000 | 65,892,000 | 62,840,000 |