Call reports 2008
VINTAGE BANK — 2008
What VINTAGE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 128,597,000 | 137,291,000 | 123,761,000 | 128,388,000 |
| Total loans | 96,839,000 | 101,897,000 | 105,836,000 | 110,580,000 |
| Allowance for loan losses | 921,000 | 1,057,000 | 1,103,000 | 1,349,000 |
| Securities available for sale | 14,824,000 | 6,880,000 | 4,208,000 | 2,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,749,000 | 124,978,000 | 101,802,000 | 111,622,000 |
| Interest-bearing deposits | 76,706,000 | 81,881,000 | 61,458,000 | 65,288,000 |
| Noninterest-bearing deposits | 39,043,000 | 43,097,000 | 40,345,000 | 46,334,000 |
| Equity capital | 12,112,000 | 11,532,000 | 12,239,000 | 11,195,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,185,000 | 4,254,000 | 6,194,000 | 8,128,000 |
| Interest expense | 881,000 | 1,705,000 | 2,421,000 | 3,142,000 |
| Net interest income | 1,304,000 | 2,549,000 | 3,773,000 | 4,986,000 |
| Noninterest income | 336,000 | 693,000 | 1,921,000 | 2,184,000 |
| Noninterest expense | 1,196,000 | 2,386,000 | 3,553,000 | 4,700,000 |
| Provision for loan losses | 50,000 | 200,000 | 300,000 | 625,000 |
| Pretax income | 394,000 | 799,000 | 2,004,000 | 2,008,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 394,000 | 799,000 | 2,004,000 | 2,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,872,000 | 10,683,000 | 12,229,000 | 11,149,000 |
| Total capital | 11,793,000 | 11,740,000 | 13,332,000 | 12,465,000 |
| Risk-weighted assets | 94,466,000 | 99,458,000 | 101,051,000 | 105,240,000 |