Call reports 2015
QUALITY BANK — 2015
What QUALITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 30,474,000 | 28,787,000 | 28,932,000 | 29,267,000 |
| Total loans | 20,459,000 | 24,360,000 | 23,687,000 | 23,910,000 |
| Allowance for loan losses | 290,000 | 307,000 | 324,000 | 334,000 |
| Securities available for sale | 2,218,000 | 2,181,000 | 1,917,000 | 1,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,787,000 | 26,038,000 | 26,079,000 | 26,659,000 |
| Interest-bearing deposits | 22,485,000 | 22,295,000 | 22,315,000 | 22,337,000 |
| Noninterest-bearing deposits | 5,302,000 | 3,743,000 | 3,764,000 | 4,322,000 |
| Equity capital | 2,672,000 | 2,732,000 | 2,834,000 | 2,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 263,000 | 540,000 | 831,000 | 1,119,000 |
| Interest expense | 25,000 | 51,000 | 81,000 | 109,000 |
| Net interest income | 238,000 | 489,000 | 750,000 | 1,010,000 |
| Noninterest income | 6,000 | 15,000 | 27,000 | 62,000 |
| Noninterest expense | 190,000 | 379,000 | 553,000 | 772,000 |
| Provision for loan losses | -100,000 | -100,000 | -100,000 | -100,000 |
| Pretax income | 154,000 | 225,000 | 324,000 | 400,000 |
| Income tax | 0 | 9,000 | 9,000 | 16,000 |
| Net income | 154,000 | 216,000 | 315,000 | 384,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,542,000 | 2,615,000 | 2,714,000 | 2,491,000 |
| Total capital | 2,832,000 | 2,922,000 | 3,027,000 | 2,825,000 |
| Risk-weighted assets | 23,661,000 | 24,922,000 | 25,036,000 | 27,626,000 |