Call reports 2002
VECTRA BANK COLORADO, NATIONAL ASSOCIATION — 2002
What VECTRA BANK COLORADO, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 2,591,607,000 | 2,587,975,000 | 2,733,768,000 | 2,767,507,000 |
| Total loans | 1,827,677,000 | 1,847,485,000 | 1,871,324,000 | 1,917,504,000 |
| Allowance for loan losses | 32,890,000 | 32,193,000 | 32,410,000 | 33,043,000 |
| Securities available for sale | 252,980,000 | 315,283,000 | 299,294,000 | 302,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,733,892,000 | 1,755,622,000 | 1,851,517,000 | 1,910,889,000 |
| Interest-bearing deposits | 1,315,531,000 | 1,324,242,000 | 1,364,327,000 | 1,433,474,000 |
| Noninterest-bearing deposits | 418,361,000 | 431,379,000 | 487,190,000 | 477,415,000 |
| Equity capital | 433,694,000 | 441,860,000 | 448,087,000 | 440,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 33,778,000 | 67,908,000 | 101,893,000 | 134,433,000 |
| Interest expense | 11,546,000 | 22,732,000 | 34,193,000 | 45,177,000 |
| Net interest income | 22,232,000 | 45,176,000 | 67,700,000 | 89,256,000 |
| Noninterest income | 12,490,000 | 26,199,000 | 41,912,000 | 55,977,000 |
| Noninterest expense | 25,239,000 | 50,192,000 | 75,776,000 | 100,401,000 |
| Provision for loan losses | 900,000 | 2,400,000 | 3,700,000 | 5,000,000 |
| Pretax income | 8,583,000 | 18,776,000 | 30,128,000 | 39,816,000 |
| Income tax | 2,923,000 | 6,598,000 | 10,705,000 | 14,189,000 |
| Net income | 5,660,000 | 12,178,000 | 19,423,000 | 25,627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 178,781,000 | 185,927,000 | 193,776,000 | 187,890,000 |
| Total capital | 263,129,000 | 270,561,000 | 279,669,000 | 274,975,000 |
| Risk-weighted assets | 1,939,266,000 | 1,963,149,000 | 2,064,923,000 | 2,160,821,000 |