Call reports 2018
VANTAGE BANK OF ALABAMA — 2018
What VANTAGE BANK OF ALABAMA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 121,608,000 | 123,282,000 | 123,627,000 | 124,499,000 |
| Total loans | 80,573,000 | 80,008,000 | 83,542,000 | 86,405,000 |
| Allowance for loan losses | 736,000 | 813,000 | 946,000 | 886,000 |
| Securities available for sale | 20,833,000 | 20,234,000 | 20,955,000 | 20,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,103,000 | 106,563,000 | 106,505,000 | 107,006,000 |
| Interest-bearing deposits | 83,129,000 | 83,159,000 | 83,425,000 | 82,407,000 |
| Noninterest-bearing deposits | 21,974,000 | 23,405,000 | 23,081,000 | 24,598,000 |
| Equity capital | 16,184,000 | 16,498,000 | 16,761,000 | 16,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,304,000 | 2,655,000 | 4,079,000 | 5,549,000 |
| Interest expense | 115,000 | 245,000 | 400,000 | 570,000 |
| Net interest income | 1,189,000 | 2,410,000 | 3,679,000 | 4,979,000 |
| Noninterest income | 244,000 | 468,000 | 728,000 | 953,000 |
| Noninterest expense | 906,000 | 1,841,000 | 2,762,000 | 3,680,000 |
| Provision for loan losses | 65,000 | 160,000 | 290,000 | 350,000 |
| Pretax income | 462,000 | 877,000 | 1,355,000 | 1,902,000 |
| Income tax | 97,000 | 180,000 | 292,000 | 413,000 |
| Net income | 365,000 | 697,000 | 1,063,000 | 1,489,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,067,000 | 15,423,000 | 15,813,000 | 15,630,000 |
| Total capital | 15,803,000 | 16,236,000 | 16,759,000 | 16,516,000 |
| Risk-weighted assets | 81,684,000 | 81,679,000 | 84,025,000 | 87,613,000 |