Call reports 2016
VANTAGE BANK TEXAS — 2016
What VANTAGE BANK TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 475,457,000 | 472,570,000 | 496,960,000 | 488,944,000 |
| Total loans | 367,694,000 | 373,878,000 | 399,683,000 | 404,950,000 |
| Allowance for loan losses | 4,412,000 | 4,475,000 | 4,966,000 | 4,905,000 |
| Securities available for sale | 46,698,000 | 51,735,000 | 45,764,000 | 54,480,000 |
| Securities held to maturity | 1,529,000 | 1,529,000 | 1,513,000 | 1,513,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,106,000 | 421,457,000 | 429,465,000 | 433,107,000 |
| Interest-bearing deposits | 297,154,000 | 306,568,000 | 307,120,000 | 302,071,000 |
| Noninterest-bearing deposits | 128,952,000 | 114,889,000 | 122,345,000 | 131,036,000 |
| Equity capital | 47,608,000 | 49,160,000 | 50,664,000 | 54,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,822,000 | 9,877,000 | 15,066,000 | 20,184,000 |
| Interest expense | 383,000 | 767,000 | 1,160,000 | 1,609,000 |
| Net interest income | 4,439,000 | 9,110,000 | 13,906,000 | 18,575,000 |
| Noninterest income | 464,000 | 888,000 | 1,314,000 | 1,758,000 |
| Noninterest expense | 3,797,000 | 7,637,000 | 11,352,000 | 15,048,000 |
| Provision for loan losses | -25,000 | -50,000 | 175,000 | 849,000 |
| Pretax income | 1,175,000 | 2,455,000 | 3,759,000 | 4,502,000 |
| Income tax | -210,000 | -350,000 | -525,000 | -3,695,000 |
| Net income | 1,385,000 | 2,805,000 | 4,284,000 | 8,197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,913,000 | 43,137,000 | 44,422,000 | 45,397,000 |
| Total capital | 46,730,000 | 48,031,000 | 49,600,000 | 50,672,000 |
| Risk-weighted assets | 384,336,000 | 390,374,000 | 412,803,000 | 419,506,000 |