Call reports 2012
VANTAGE BANK OF ALABAMA — 2012
What VANTAGE BANK OF ALABAMA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,852,000 | 76,919,000 | 77,212,000 | 77,870,000 |
| Total loans | 48,762,000 | 50,437,000 | 53,630,000 | 53,232,000 |
| Allowance for loan losses | 558,000 | 575,000 | 600,000 | 573,000 |
| Securities available for sale | 16,904,000 | 14,519,000 | 13,485,000 | 13,377,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,616,000 | 64,362,000 | 64,376,000 | 64,806,000 |
| Interest-bearing deposits | 55,721,000 | 55,345,000 | 55,567,000 | 55,725,000 |
| Noninterest-bearing deposits | 9,895,000 | 9,017,000 | 8,809,000 | 9,081,000 |
| Equity capital | 12,041,000 | 12,372,000 | 12,582,000 | 12,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,767,000 | 2,673,000 | 3,582,000 |
| Interest expense | 150,000 | 291,000 | 416,000 | 532,000 |
| Net interest income | 728,000 | 1,476,000 | 2,257,000 | 3,050,000 |
| Noninterest income | 60,000 | 124,000 | 184,000 | 252,000 |
| Noninterest expense | 512,000 | 1,039,000 | 1,596,000 | 2,078,000 |
| Provision for loan losses | 10,000 | 30,000 | 60,000 | 126,000 |
| Pretax income | 266,000 | 531,000 | 785,000 | 1,098,000 |
| Income tax | 83,000 | 180,000 | 280,000 | 362,000 |
| Net income | 183,000 | 351,000 | 505,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,598,000 | 11,767,000 | 11,922,000 | 12,154,000 |
| Total capital | 12,156,000 | 12,342,000 | 12,522,000 | 12,727,000 |
| Risk-weighted assets | 52,817,000 | 53,254,000 | 56,370,000 | 55,911,000 |