Call reports 2007
VANTAGE BANK TEXAS — 2007
What VANTAGE BANK TEXAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 57,019,000 | 59,880,000 | 65,371,000 | 102,436,000 |
| Total loans | 8,732,000 | 10,681,000 | 22,592,000 | 40,968,000 |
| Allowance for loan losses | 135,000 | 126,000 | 188,000 | 228,000 |
| Securities available for sale | 28,432,000 | 26,749,000 | 25,814,000 | 28,831,000 |
| Securities held to maturity | 321,000 | 309,000 | 297,000 | 290,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,020,000 | 48,082,000 | 48,050,000 | 83,664,000 |
| Interest-bearing deposits | 42,050,000 | 40,293,000 | 37,091,000 | 71,754,000 |
| Noninterest-bearing deposits | 7,970,000 | 7,789,000 | 10,959,000 | 11,910,000 |
| Equity capital | 6,167,000 | 10,973,000 | 16,389,000 | 16,284,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 756,000 | 552,000 | 1,506,000 | 2,869,000 |
| Interest expense | 334,000 | 217,000 | 531,000 | 979,000 |
| Net interest income | 422,000 | 335,000 | 975,000 | 1,890,000 |
| Noninterest income | 92,000 | 57,000 | 135,000 | 200,000 |
| Noninterest expense | 395,000 | 479,000 | 1,524,000 | 2,969,000 |
| Provision for loan losses | 33,000 | 0 | 63,000 | 113,000 |
| Pretax income | 86,000 | -87,000 | -477,000 | -992,000 |
| Income tax | 18,000 | -36,000 | -180,000 | -360,000 |
| Net income | 68,000 | -51,000 | -297,000 | -632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,643,000 | 8,197,000 | 13,473,000 | 13,191,000 |
| Total capital | 6,778,000 | 8,323,000 | 13,661,000 | 13,419,000 |
| Risk-weighted assets | 18,279,000 | 19,821,000 | 30,568,000 | 56,494,000 |