Call reports 2005
VANTAGE BANK — 2005
What VANTAGE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 7,963,000 | 7,265,000 | 7,304,000 | 7,273,000 |
| Total loans | 3,913,000 | 4,719,000 | 4,803,000 | 4,249,000 |
| Allowance for loan losses | 32,000 | 32,000 | 33,000 | 37,000 |
| Securities available for sale | 1,214,000 | 914,000 | 905,000 | 901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,240,000 | 6,516,000 | 6,542,000 | 6,542,000 |
| Interest-bearing deposits | 5,272,000 | 4,807,000 | 4,494,000 | 4,538,000 |
| Noninterest-bearing deposits | 1,968,000 | 1,709,000 | 2,048,000 | 2,004,000 |
| Equity capital | 700,000 | 728,000 | 743,000 | 713,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 84,000 | 179,000 | 275,000 | 375,000 |
| Interest expense | 15,000 | 31,000 | 47,000 | 64,000 |
| Net interest income | 69,000 | 148,000 | 228,000 | 311,000 |
| Noninterest income | 23,000 | 46,000 | 68,000 | 87,000 |
| Noninterest expense | 81,000 | 162,000 | 243,000 | 369,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 11,000 | 32,000 | 53,000 | 24,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 11,000 | 32,000 | 53,000 | 24,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 710,000 | 736,000 | 756,000 | 728,000 |
| Total capital | 742,000 | 768,000 | 789,000 | 765,000 |
| Risk-weighted assets | 5,101,000 | 5,609,000 | 5,728,000 | 5,264,000 |