Call reports 2005
QUALITY BANK — 2005
What QUALITY 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 | 22,922,000 | 25,136,000 | 25,994,000 | 26,345,000 |
| Total loans | 15,769,000 | 18,054,000 | 19,325,000 | 19,797,000 |
| Allowance for loan losses | 139,000 | 167,000 | 170,000 | 179,000 |
| Securities available for sale | 5,468,000 | 5,518,000 | 5,099,000 | 4,822,000 |
| Securities held to maturity | 44,000 | 41,000 | 38,000 | 36,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,071,000 | 18,751,000 | 19,380,000 | 20,643,000 |
| Interest-bearing deposits | 17,796,000 | 16,218,000 | 17,173,000 | 17,854,000 |
| Noninterest-bearing deposits | 2,275,000 | 2,533,000 | 2,207,000 | 2,789,000 |
| Equity capital | 2,224,000 | 2,309,000 | 2,390,000 | 2,387,000 |
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 | 335,000 | 715,000 | 1,169,000 | 1,660,000 |
| Interest expense | 91,000 | 193,000 | 337,000 | 478,000 |
| Net interest income | 244,000 | 522,000 | 832,000 | 1,182,000 |
| Noninterest income | 36,000 | 56,000 | 60,000 | 82,000 |
| Noninterest expense | 182,000 | 367,000 | 537,000 | 811,000 |
| Provision for loan losses | 0 | 17,000 | 32,000 | 94,000 |
| Pretax income | 98,000 | 194,000 | 323,000 | 359,000 |
| Income tax | 5,000 | 14,000 | 19,000 | 25,000 |
| Net income | 93,000 | 180,000 | 304,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,867,000 | 1,938,000 | 2,058,000 | 2,092,000 |
| Total capital | 2,006,000 | 2,105,000 | 2,228,000 | 2,271,000 |
| Risk-weighted assets | 16,743,000 | 19,312,000 | 20,311,000 | 20,913,000 |
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