Call reports 2006
VANTAGE BANK TEXAS — 2006
What VANTAGE BANK TEXAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 55,808,000 | 53,778,000 | 49,355,000 | 58,346,000 |
| Total loans | 8,242,000 | 9,473,000 | 9,447,000 | 9,147,000 |
| Allowance for loan losses | 163,000 | 143,000 | 133,000 | 121,000 |
| Securities available for sale | 41,592,000 | 36,199,000 | 35,351,000 | 32,115,000 |
| Securities held to maturity | 390,000 | 375,000 | 362,000 | 350,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,737,000 | 47,868,000 | 43,003,000 | 51,482,000 |
| Interest-bearing deposits | 41,424,000 | 39,628,000 | 34,727,000 | 43,391,000 |
| Noninterest-bearing deposits | 8,313,000 | 8,240,000 | 8,276,000 | 8,091,000 |
| Equity capital | 5,940,000 | 5,813,000 | 6,129,000 | 6,082,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 625,000 | 1,293,000 | 1,948,000 | 2,674,000 |
| Interest expense | 219,000 | 453,000 | 717,000 | 1,051,000 |
| Net interest income | 406,000 | 840,000 | 1,231,000 | 1,623,000 |
| Noninterest income | 90,000 | 167,000 | 257,000 | 338,000 |
| Noninterest expense | 402,000 | 845,000 | 1,237,000 | 1,590,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 79,000 | 119,000 | 208,000 | 328,000 |
| Income tax | 14,000 | 14,000 | 32,000 | 44,000 |
| Net income | 65,000 | 105,000 | 176,000 | 284,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,132,000 | 6,171,000 | 6,243,000 | 6,575,000 |
| Total capital | 6,295,000 | 6,314,000 | 6,376,000 | 6,696,000 |
| Risk-weighted assets | 18,107,000 | 18,240,000 | 17,285,000 | 19,317,000 |