Call reports 2014
VANTAGE BANK TEXAS — 2014
What VANTAGE BANK TEXAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 327,890,000 | 356,454,000 | 352,623,000 | 413,304,000 |
| Total loans | 255,127,000 | 261,751,000 | 270,119,000 | 313,302,000 |
| Allowance for loan losses | 3,801,000 | 3,765,000 | 3,503,000 | 3,764,000 |
| Securities available for sale | 35,241,000 | 38,837,000 | 48,214,000 | 52,797,000 |
| Securities held to maturity | 103,000 | 103,000 | 103,000 | 731,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 288,051,000 | 320,943,000 | 316,426,000 | 370,311,000 |
| Interest-bearing deposits | 218,593,000 | 240,126,000 | 237,044,000 | 276,913,000 |
| Noninterest-bearing deposits | 69,458,000 | 80,817,000 | 79,382,000 | 93,398,000 |
| Equity capital | 33,331,000 | 33,923,000 | 34,429,000 | 41,409,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,508,000 | 7,075,000 | 10,756,000 | 16,496,000 |
| Interest expense | 265,000 | 547,000 | 858,000 | 1,334,000 |
| Net interest income | 3,243,000 | 6,528,000 | 9,898,000 | 15,162,000 |
| Noninterest income | 263,000 | 463,000 | 766,000 | 1,110,000 |
| Noninterest expense | 3,091,000 | 6,252,000 | 9,619,000 | 14,980,000 |
| Provision for loan losses | 0 | -75,000 | -325,000 | -495,000 |
| Pretax income | 415,000 | 814,000 | 1,370,000 | 1,787,000 |
| Income tax | -124,000 | -258,000 | -402,000 | -546,000 |
| Net income | 539,000 | 1,072,000 | 1,772,000 | 2,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,259,000 | 31,665,000 | 32,238,000 | 37,908,000 |
| Total capital | 34,420,000 | 34,913,000 | 35,633,000 | 41,860,000 |
| Risk-weighted assets | 251,977,000 | 258,983,000 | 271,165,000 | 316,027,000 |