Call reports 2004
VANTAGE BANK TEXAS — 2004
What VANTAGE BANK TEXAS 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 | 61,172,000 | 56,383,000 | 53,985,000 | 57,237,000 |
| Total loans | 13,243,000 | 11,259,000 | 10,166,000 | 9,185,000 |
| Allowance for loan losses | 199,000 | 202,000 | 151,000 | 253,000 |
| Securities available for sale | 22,774,000 | 35,963,000 | 34,092,000 | 36,297,000 |
| Securities held to maturity | 758,000 | 705,000 | 655,000 | 605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,876,000 | 43,949,000 | 42,301,000 | 49,926,000 |
| Interest-bearing deposits | 40,283,000 | 36,616,000 | 34,316,000 | 42,722,000 |
| Noninterest-bearing deposits | 7,593,000 | 7,333,000 | 7,985,000 | 7,204,000 |
| Equity capital | 10,108,000 | 9,830,000 | 10,123,000 | 5,857,000 |
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 | 561,000 | 1,123,000 | 1,678,000 | 2,208,000 |
| Interest expense | 127,000 | 237,000 | 325,000 | 444,000 |
| Net interest income | 434,000 | 886,000 | 1,353,000 | 1,764,000 |
| Noninterest income | 90,000 | 175,000 | 270,000 | 355,000 |
| Noninterest expense | 418,000 | 846,000 | 1,278,000 | 1,772,000 |
| Provision for loan losses | 0 | 20,000 | 20,000 | 285,000 |
| Pretax income | 106,000 | 195,000 | 325,000 | 62,000 |
| Income tax | 17,000 | 29,000 | 57,000 | -58,000 |
| Net income | 89,000 | 166,000 | 268,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,758,000 | 9,835,000 | 9,936,000 | 5,788,000 |
| Total capital | 9,957,000 | 10,037,000 | 10,087,000 | 6,023,000 |
| Risk-weighted assets | 21,828,000 | 19,220,000 | 18,601,000 | 18,787,000 |