Call reports 2003
VANTAGE BANK TEXAS — 2003
What VANTAGE BANK TEXAS 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 | 56,451,000 | 56,202,000 | 55,733,000 | 61,879,000 |
| Total loans | 13,057,000 | 14,702,000 | 14,254,000 | 13,240,000 |
| Allowance for loan losses | 117,000 | 181,000 | 169,000 | 204,000 |
| Securities available for sale | 30,083,000 | 27,277,000 | 28,283,000 | 24,667,000 |
| Securities held to maturity | 1,259,000 | 1,121,000 | 987,000 | 906,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,483,000 | 43,746,000 | 43,137,000 | 49,527,000 |
| Interest-bearing deposits | 38,495,000 | 36,539,000 | 35,624,000 | 41,583,000 |
| Noninterest-bearing deposits | 6,988,000 | 7,207,000 | 7,513,000 | 7,944,000 |
| Equity capital | 10,370,000 | 10,450,000 | 10,421,000 | 10,015,000 |
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 | 652,000 | 1,296,000 | 1,948,000 | 2,540,000 |
| Interest expense | 134,000 | 256,000 | 364,000 | 494,000 |
| Net interest income | 518,000 | 1,040,000 | 1,584,000 | 2,046,000 |
| Noninterest income | 105,000 | 195,000 | 295,000 | 381,000 |
| Noninterest expense | 426,000 | 851,000 | 1,312,000 | 1,816,000 |
| Provision for loan losses | 20,000 | 90,000 | 90,000 | 140,000 |
| Pretax income | 177,000 | 294,000 | 477,000 | 471,000 |
| Income tax | 39,000 | 57,000 | 98,000 | 74,000 |
| Net income | 138,000 | 237,000 | 379,000 | 397,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,809,000 | 9,908,000 | 10,050,000 | 9,669,000 |
| Total capital | 9,926,000 | 10,089,000 | 10,219,000 | 9,873,000 |
| Risk-weighted assets | 20,705,000 | 21,537,000 | 21,232,000 | 22,395,000 |