Call reports 2004
QUAINT OAK BANK — 2004
What QUAINT OAK BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 42,075,000 | 44,359,000 | 46,367,000 | 51,199,000 |
| Total loans | 37,849,000 | 39,332,000 | 40,948,000 | 43,787,000 |
| Allowance for loan losses | 262,000 | 290,000 | 319,000 | 347,000 |
| Securities available for sale | 467,000 | 180,000 | 101,000 | 101,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,672,000 | 39,878,000 | 41,721,000 | 47,411,000 |
| Interest-bearing deposits | 38,108,000 | 39,246,000 | 41,374,000 | 46,890,000 |
| Noninterest-bearing deposits | 564,000 | 632,000 | 347,000 | 521,000 |
| Equity capital | 3,232,000 | 3,371,000 | 3,506,000 | 3,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 601,000 | 1,209,000 | 1,835,000 | 2,513,000 |
| Interest expense | 198,000 | 410,000 | 641,000 | 907,000 |
| Net interest income | 403,000 | 799,000 | 1,194,000 | 1,606,000 |
| Noninterest income | 1,000 | 1,000 | 2,000 | 3,000 |
| Noninterest expense | 151,000 | 301,000 | 454,000 | 634,000 |
| Provision for loan losses | 29,000 | 57,000 | 86,000 | 114,000 |
| Pretax income | 224,000 | 442,000 | 656,000 | 861,000 |
| Income tax | 87,000 | 166,000 | 245,000 | 320,000 |
| Net income | 137,000 | 276,000 | 411,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,232,000 | 3,371,000 | 3,506,000 | 3,636,000 |
| Total capital | 3,494,000 | 3,661,000 | 3,825,000 | 3,983,000 |
| Risk-weighted assets | 22,244,000 | 24,108,000 | 25,660,000 | 28,417,000 |
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