Call reports 2005
VINTAGE BANK — 2005
What VINTAGE 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 | 78,448,000 | 83,842,000 | 86,244,000 | 86,951,000 |
| Total loans | 64,056,000 | 68,359,000 | 72,867,000 | 72,205,000 |
| Allowance for loan losses | 902,000 | 858,000 | 825,000 | 816,000 |
| Securities available for sale | 5,007,000 | 5,006,000 | 4,977,000 | 5,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,926,000 | 76,156,000 | 76,965,000 | 75,546,000 |
| Interest-bearing deposits | 56,649,000 | 62,328,000 | 62,502,000 | 60,234,000 |
| Noninterest-bearing deposits | 13,277,000 | 13,828,000 | 14,463,000 | 15,312,000 |
| Equity capital | 6,989,000 | 7,002,000 | 7,240,000 | 7,398,000 |
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 | 1,284,000 | 2,620,000 | 4,052,000 | 5,918,000 |
| Interest expense | 279,000 | 604,000 | 976,000 | 1,406,000 |
| Net interest income | 1,005,000 | 2,016,000 | 3,076,000 | 4,512,000 |
| Noninterest income | 251,000 | 567,000 | 902,000 | 854,000 |
| Noninterest expense | 847,000 | 1,812,000 | 2,679,000 | 3,613,000 |
| Provision for loan losses | 125,000 | 215,000 | 365,000 | 505,000 |
| Pretax income | 284,000 | 556,000 | 934,000 | 1,248,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 284,000 | 556,000 | 934,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,182,000 | 6,176,000 | 6,430,000 | 6,620,000 |
| Total capital | 6,998,000 | 7,034,000 | 7,255,000 | 7,436,000 |
| Risk-weighted assets | 65,208,000 | 69,402,000 | 71,389,000 | 69,903,000 |