Call reports 2002
VANTAGE BANK TEXAS — 2002
What VANTAGE BANK TEXAS 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 | 57,640,000 | 54,305,000 | 54,725,000 | 57,388,000 |
| Total loans | 13,173,000 | 13,555,000 | 13,149,000 | 12,791,000 |
| Allowance for loan losses | 117,000 | 130,000 | 126,000 | 121,000 |
| Securities available for sale | 28,043,000 | 29,632,000 | 27,566,000 | 30,328,000 |
| Securities held to maturity | 1,829,000 | 1,813,000 | 1,651,000 | 1,508,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,224,000 | 42,713,000 | 42,170,000 | 45,487,000 |
| Interest-bearing deposits | 40,334,000 | 36,024,000 | 35,605,000 | 38,514,000 |
| Noninterest-bearing deposits | 6,890,000 | 6,689,000 | 6,565,000 | 6,973,000 |
| Equity capital | 9,940,000 | 10,274,000 | 10,551,000 | 10,240,000 |
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 | 693,000 | 1,437,000 | 2,119,000 | 2,789,000 |
| Interest expense | 265,000 | 493,000 | 669,000 | 838,000 |
| Net interest income | 428,000 | 944,000 | 1,450,000 | 1,951,000 |
| Noninterest income | 96,000 | 181,000 | 278,000 | 365,000 |
| Noninterest expense | 397,000 | 795,000 | 1,221,000 | 1,738,000 |
| Provision for loan losses | 20,000 | 50,000 | 50,000 | 50,000 |
| Pretax income | 107,000 | 280,000 | 457,000 | 528,000 |
| Income tax | 26,000 | 74,000 | 114,000 | 92,000 |
| Net income | 81,000 | 206,000 | 343,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,716,000 | 9,841,000 | 9,979,000 | 9,671,000 |
| Total capital | 9,833,000 | 9,971,000 | 10,105,000 | 9,792,000 |
| Risk-weighted assets | 22,044,000 | 21,680,000 | 20,183,000 | 20,969,000 |