Call reports 2015
VANTAGE BANK TEXAS — 2015
What VANTAGE BANK TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 426,584,000 | 464,151,000 | 461,863,000 | 469,381,000 |
| Total loans | 323,317,000 | 335,421,000 | 350,604,000 | 364,904,000 |
| Allowance for loan losses | 3,862,000 | 4,097,000 | 4,261,000 | 4,422,000 |
| Securities available for sale | 35,935,000 | 70,871,000 | 70,681,000 | 64,988,000 |
| Securities held to maturity | 715,000 | 715,000 | 715,000 | 1,575,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,556,000 | 419,200,000 | 415,414,000 | 422,203,000 |
| Interest-bearing deposits | 280,390,000 | 292,222,000 | 306,454,000 | 304,932,000 |
| Noninterest-bearing deposits | 102,166,000 | 126,978,000 | 108,960,000 | 117,271,000 |
| Equity capital | 42,454,000 | 43,237,000 | 44,573,000 | 45,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,254,000 | 8,781,000 | 13,462,000 | 18,311,000 |
| Interest expense | 345,000 | 722,000 | 1,120,000 | 1,511,000 |
| Net interest income | 3,909,000 | 8,059,000 | 12,342,000 | 16,800,000 |
| Noninterest income | 311,000 | 669,000 | 1,002,000 | 1,354,000 |
| Noninterest expense | 3,576,000 | 7,000,000 | 10,589,000 | 14,323,000 |
| Provision for loan losses | 60,000 | 198,000 | 352,000 | 518,000 |
| Pretax income | 626,000 | 1,572,000 | 2,489,000 | 3,412,000 |
| Income tax | -170,000 | -345,000 | -530,000 | -1,075,000 |
| Net income | 796,000 | 1,917,000 | 3,019,000 | 4,487,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,938,000 | 38,855,000 | 39,758,000 | 40,742,000 |
| Total capital | 42,044,000 | 43,179,000 | 44,307,000 | 45,511,000 |
| Risk-weighted assets | 327,535,000 | 344,781,000 | 362,718,000 | 380,043,000 |