Call reports 2003
VECTRA BANK COLORADO, NATIONAL ASSOCIATION — 2003
What VECTRA BANK COLORADO, NATIONAL ASSOCIATION 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 | 2,858,953,000 | 2,756,650,000 | 2,594,631,000 | 2,532,206,000 |
| Total loans | 1,839,879,000 | 1,866,290,000 | 1,758,810,000 | 1,691,556,000 |
| Allowance for loan losses | 33,245,000 | 33,828,000 | 29,695,000 | 27,658,000 |
| Securities available for sale | 386,787,000 | 327,784,000 | 349,905,000 | 425,997,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,993,785,000 | 1,895,157,000 | 1,823,204,000 | 1,763,986,000 |
| Interest-bearing deposits | 1,473,292,000 | 1,368,111,000 | 1,309,388,000 | 1,221,059,000 |
| Noninterest-bearing deposits | 520,493,000 | 527,046,000 | 513,816,000 | 542,927,000 |
| Equity capital | 444,809,000 | 453,587,000 | 372,737,000 | 375,303,000 |
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 | 30,649,000 | 62,921,000 | 93,468,000 | 122,282,000 |
| Interest expense | 10,017,000 | 18,650,000 | 26,200,000 | 32,803,000 |
| Net interest income | 20,632,000 | 44,271,000 | 67,268,000 | 89,479,000 |
| Noninterest income | 9,236,000 | 19,152,000 | 28,756,000 | 36,890,000 |
| Noninterest expense | 25,386,000 | 50,418,000 | 153,106,000 | 176,049,000 |
| Provision for loan losses | 1,350,000 | 2,800,000 | 4,060,000 | 5,910,000 |
| Pretax income | 3,132,000 | 10,205,000 | -61,144,000 | -55,593,000 |
| Income tax | 1,001,000 | 3,511,000 | 9,574,000 | 11,530,000 |
| Net income | 2,131,000 | 6,694,000 | -70,718,000 | -67,123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,751,000 | 196,044,000 | 194,990,000 | 199,784,000 |
| Total capital | 278,590,000 | 284,097,000 | 290,169,000 | 294,591,000 |
| Risk-weighted assets | 2,221,716,000 | 2,238,476,000 | 2,313,799,000 | 2,283,824,000 |