Call reports 2004
VECTRA BANK COLORADO, NATIONAL ASSOCIATION — 2004
What VECTRA BANK COLORADO, NATIONAL ASSOCIATION 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 | 2,471,300,000 | 2,448,392,000 | 2,366,244,000 | 2,322,098,000 |
| Total loans | 1,643,045,000 | 1,637,110,000 | 1,513,139,000 | 1,464,601,000 |
| Allowance for loan losses | 26,920,000 | 26,219,000 | 24,387,000 | 20,360,000 |
| Securities available for sale | 392,458,000 | 424,578,000 | 515,120,000 | 513,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,700,173,000 | 1,710,780,000 | 1,637,557,000 | 1,578,026,000 |
| Interest-bearing deposits | 1,165,858,000 | 1,182,156,000 | 1,117,977,000 | 1,091,151,000 |
| Noninterest-bearing deposits | 534,315,000 | 528,624,000 | 519,580,000 | 486,875,000 |
| Equity capital | 381,852,000 | 346,196,000 | 350,198,000 | 322,204,000 |
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 | 27,843,000 | 55,503,000 | 83,243,000 | 111,449,000 |
| Interest expense | 6,231,000 | 12,473,000 | 18,860,000 | 25,542,000 |
| Net interest income | 21,612,000 | 43,030,000 | 64,383,000 | 85,907,000 |
| Noninterest income | 7,046,000 | 14,600,000 | 22,069,000 | 28,998,000 |
| Noninterest expense | 23,396,000 | 46,527,000 | 69,279,000 | 93,092,000 |
| Provision for loan losses | 1,000,000 | 1,650,000 | 1,650,000 | -700,000 |
| Pretax income | 4,231,000 | 9,422,000 | 15,492,000 | 22,482,000 |
| Income tax | 1,463,000 | 3,301,000 | 5,485,000 | 7,788,000 |
| Net income | 2,768,000 | 6,121,000 | 10,007,000 | 14,694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 207,977,000 | 181,956,000 | 189,592,000 | 164,689,000 |
| Total capital | 301,150,000 | 274,648,000 | 281,457,000 | 253,355,000 |
| Risk-weighted assets | 2,152,292,000 | 2,114,032,000 | 2,048,726,000 | 1,996,843,000 |