Call reports 2005
VANTAGE BANK TEXAS — 2005
What VANTAGE BANK TEXAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 55,544,000 | 51,810,000 | 48,757,000 | 56,536,000 |
| Total loans | 8,589,000 | 9,666,000 | 9,180,000 | 8,577,000 |
| Allowance for loan losses | 156,000 | 152,000 | 146,000 | 141,000 |
| Securities available for sale | 37,476,000 | 37,955,000 | 35,241,000 | 38,723,000 |
| Securities held to maturity | 515,000 | 489,000 | 461,000 | 440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,486,000 | 44,542,000 | 41,461,000 | 50,590,000 |
| Interest-bearing deposits | 40,546,000 | 37,471,000 | 34,010,000 | 42,881,000 |
| Noninterest-bearing deposits | 7,940,000 | 7,071,000 | 7,451,000 | 7,709,000 |
| Equity capital | 5,775,000 | 5,820,000 | 5,816,000 | 5,861,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 548,000 | 1,099,000 | 1,640,000 | 2,355,000 |
| Interest expense | 146,000 | 297,000 | 451,000 | 645,000 |
| Net interest income | 402,000 | 802,000 | 1,189,000 | 1,710,000 |
| Noninterest income | 96,000 | 179,000 | 273,000 | 352,000 |
| Noninterest expense | 416,000 | 821,000 | 1,255,000 | 1,728,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | -5,000 |
| Pretax income | 57,000 | 135,000 | 172,000 | 329,000 |
| Income tax | 4,000 | 17,000 | 16,000 | 51,000 |
| Net income | 53,000 | 118,000 | 156,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,841,000 | 5,907,000 | 5,944,000 | 6,067,000 |
| Total capital | 5,997,000 | 6,059,000 | 6,090,000 | 6,208,000 |
| Risk-weighted assets | 18,166,000 | 17,393,000 | 16,708,000 | 18,759,000 |