Call reports 2007
QUALITY BANK — 2007
What QUALITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 31,272,000 | 32,709,000 | 31,427,000 | 32,450,000 |
| Total loans | 24,308,000 | 26,022,000 | 25,187,000 | 22,724,000 |
| Allowance for loan losses | 255,000 | 243,000 | 376,000 | 469,000 |
| Securities available for sale | 4,923,000 | 4,668,000 | 4,558,000 | 4,797,000 |
| Securities held to maturity | 26,000 | 24,000 | 23,000 | 22,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,868,000 | 26,269,000 | 27,186,000 | 29,055,000 |
| Interest-bearing deposits | 22,776,000 | 23,664,000 | 24,642,000 | 24,455,000 |
| Noninterest-bearing deposits | 3,092,000 | 2,605,000 | 2,544,000 | 4,600,000 |
| Equity capital | 2,852,000 | 2,958,000 | 2,728,000 | 3,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 600,000 | 1,262,000 | 1,923,000 | 2,544,000 |
| Interest expense | 236,000 | 513,000 | 800,000 | 1,056,000 |
| Net interest income | 364,000 | 749,000 | 1,123,000 | 1,488,000 |
| Noninterest income | 11,000 | 30,000 | 38,000 | 24,000 |
| Noninterest expense | 206,000 | 432,000 | 673,000 | 877,000 |
| Provision for loan losses | 90,000 | 108,000 | 487,000 | 575,000 |
| Pretax income | 79,000 | 239,000 | 1,000 | 60,000 |
| Income tax | 3,000 | 12,000 | 0 | 5,000 |
| Net income | 76,000 | 227,000 | 1,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,527,000 | 2,639,000 | 2,388,000 | 2,908,000 |
| Total capital | 2,782,000 | 2,882,000 | 2,724,000 | 3,225,000 |
| Risk-weighted assets | 26,206,000 | 27,715,000 | 26,858,000 | 25,206,000 |
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