Call reports 2004
VANTAGE BANK — 2004
What VANTAGE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 7,468,000 | 7,032,000 | 7,341,000 | 7,375,000 |
| Total loans | 3,467,000 | 4,104,000 | 4,188,000 | 4,020,000 |
| Allowance for loan losses | 31,000 | 31,000 | 31,000 | 32,000 |
| Securities available for sale | 852,000 | 833,000 | 833,000 | 1,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 6,747,000 | 6,317,000 | 6,604,000 | 6,654,000 |
| Interest-bearing deposits | 5,233,000 | 5,069,000 | 4,783,000 | 5,333,000 |
| Noninterest-bearing deposits | 1,514,000 | 1,248,000 | 1,821,000 | 1,321,000 |
| Equity capital | 696,000 | 691,000 | 714,000 | 699,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 73,000 | 154,000 | 240,000 | 327,000 |
| Interest expense | 15,000 | 29,000 | 43,000 | 56,000 |
| Net interest income | 58,000 | 125,000 | 197,000 | 271,000 |
| Noninterest income | 18,000 | 34,000 | 52,000 | 71,000 |
| Noninterest expense | 84,000 | 156,000 | 227,000 | 329,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -8,000 | 3,000 | 22,000 | 13,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -8,000 | 3,000 | 22,000 | 13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 688,000 | 695,000 | 714,000 | 703,000 |
| Total capital | 719,000 | 726,000 | 745,000 | 735,000 |
| Risk-weighted assets | 4,658,000 | 5,066,000 | 5,231,000 | 5,060,000 |