Call reports 2003
QUAINT OAK BANK — 2003
What QUAINT OAK BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 35,013,000 | 37,205,000 | 38,441,000 | 40,636,000 |
| Total loans | 27,604,000 | 29,208,000 | 32,083,000 | 35,804,000 |
| Allowance for loan losses | 198,000 | 203,000 | 223,000 | 233,000 |
| Securities available for sale | 0 | 0 | 2,149,000 | 985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,149,000 | 34,291,000 | 35,361,000 | 36,865,000 |
| Interest-bearing deposits | 31,731,000 | 33,789,000 | 34,957,000 | 36,280,000 |
| Noninterest-bearing deposits | 418,000 | 502,000 | 404,000 | 585,000 |
| Equity capital | 2,741,000 | 2,841,000 | 2,963,000 | 3,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,009,000 | 1,543,000 | 2,104,000 |
| Interest expense | 199,000 | 397,000 | 588,000 | 780,000 |
| Net interest income | 305,000 | 612,000 | 955,000 | 1,324,000 |
| Noninterest income | 0 | 0 | 0 | 1,000 |
| Noninterest expense | 137,000 | 277,000 | 401,000 | 546,000 |
| Provision for loan losses | 30,000 | 35,000 | 55,000 | 65,000 |
| Pretax income | 138,000 | 300,000 | 499,000 | 714,000 |
| Income tax | 53,000 | 115,000 | 192,000 | 275,000 |
| Net income | 85,000 | 185,000 | 307,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,741,000 | 2,841,000 | 2,963,000 | 3,095,000 |
| Total capital | 2,939,000 | 3,044,000 | 3,186,000 | 3,328,000 |
| Risk-weighted assets | 16,234,000 | 17,852,000 | 19,104,000 | 21,187,000 |
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