Call reports 2008
QUALITY BANK — 2008
What QUALITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 30,626,000 | 27,113,000 | 25,735,000 | 26,090,000 |
| Total loans | 20,383,000 | 21,013,000 | 20,677,000 | 18,897,000 |
| Allowance for loan losses | 1,662,000 | 1,270,000 | 1,307,000 | 1,156,000 |
| Securities available for sale | 5,045,000 | 4,401,000 | 4,119,000 | 4,280,000 |
| Securities held to maturity | 21,000 | 19,000 | 19,000 | 18,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,513,000 | 23,719,000 | 21,826,000 | 23,212,000 |
| Interest-bearing deposits | 24,912,000 | 20,654,000 | 18,779,000 | 18,998,000 |
| Noninterest-bearing deposits | 3,601,000 | 3,065,000 | 3,047,000 | 4,214,000 |
| Equity capital | 1,978,000 | 2,473,000 | 1,838,000 | 2,793,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 566,000 | 1,076,000 | 1,563,000 | 1,997,000 |
| Interest expense | 238,000 | 445,000 | 607,000 | 739,000 |
| Net interest income | 328,000 | 631,000 | 956,000 | 1,258,000 |
| Noninterest income | -34,000 | -36,000 | -77,000 | -106,000 |
| Noninterest expense | 204,000 | 492,000 | 807,000 | 1,101,000 |
| Provision for loan losses | 1,433,000 | 1,433,000 | 2,233,000 | 2,233,000 |
| Pretax income | -1,343,000 | -1,330,000 | -2,161,000 | -2,182,000 |
| Income tax | 0 | 0 | 0 | -152,000 |
| Net income | -1,343,000 | -1,330,000 | -2,161,000 | -2,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,568,000 | 2,108,000 | 1,479,000 | 2,312,000 |
| Total capital | 1,857,000 | 2,389,000 | 1,751,000 | 2,561,000 |
| Risk-weighted assets | 21,743,000 | 21,483,000 | 20,707,000 | 18,992,000 |
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