Call reports 2025
VANTAGE BANK — 2025
What VANTAGE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 70,984,000 | 74,843,000 | 74,919,000 | 76,251,000 |
| Total loans | 67,172,000 | 69,695,000 | 70,860,000 | 72,533,000 |
| Allowance for loan losses | 721,000 | 751,000 | 781,000 | 811,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 51,000 | 51,000 | 51,000 | 51,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,797,000 | 61,121,000 | 62,694,000 | 68,348,000 |
| Interest-bearing deposits | 46,282,000 | 48,646,000 | 48,534,000 | 55,269,000 |
| Noninterest-bearing deposits | 12,515,000 | 12,475,000 | 14,160,000 | 13,079,000 |
| Equity capital | 6,547,000 | 6,423,000 | 6,767,000 | 7,032,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,070,000 | 2,148,000 | 3,286,000 | 4,445,000 |
| Interest expense | 312,000 | 623,000 | 950,000 | 1,270,000 |
| Net interest income | 758,000 | 1,525,000 | 2,336,000 | 3,175,000 |
| Noninterest income | 67,000 | 158,000 | 241,000 | 318,000 |
| Noninterest expense | 488,000 | 990,000 | 1,510,000 | 2,130,000 |
| Provision for loan losses | 35,000 | 65,000 | 95,000 | 125,000 |
| Pretax income | 302,000 | 628,000 | 972,000 | 1,238,000 |
| Income tax | 24,000 | 24,000 | 24,000 | 24,000 |
| Net income | 278,000 | 604,000 | 948,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,242,000 | 6,118,000 | 6,462,000 | 6,727,000 |
| Total capital | 6,963,000 | 6,866,000 | 7,208,000 | 7,481,000 |
| Risk-weighted assets | 57,554,000 | 59,850,000 | 59,637,000 | 60,303,000 |