Call reports 2004
BANK OF QUINCY — 2004
What BANK OF QUINCY 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 | 28,133,000 | 32,600,000 | 34,336,000 | 37,115,000 |
| Total loans | 23,339,000 | 27,538,000 | 30,511,000 | 32,522,000 |
| Allowance for loan losses | 328,000 | 349,000 | 418,000 | 395,000 |
| Securities available for sale | 503,000 | 491,000 | 495,000 | 492,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,583,000 | 28,972,000 | 30,152,000 | 32,335,000 |
| Interest-bearing deposits | 21,470,000 | 25,693,000 | 26,577,000 | 29,096,000 |
| Noninterest-bearing deposits | 3,113,000 | 3,279,000 | 3,574,000 | 3,239,000 |
| Equity capital | 2,522,000 | 3,591,000 | 3,644,000 | 3,736,000 |
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 | 358,000 | 773,000 | 1,233,000 | 1,754,000 |
| Interest expense | 118,000 | 247,000 | 381,000 | 537,000 |
| Net interest income | 240,000 | 526,000 | 852,000 | 1,217,000 |
| Noninterest income | 92,000 | 210,000 | 305,000 | 436,000 |
| Noninterest expense | 279,000 | 579,000 | 881,000 | 1,219,000 |
| Provision for loan losses | 21,000 | 42,000 | 111,000 | 171,000 |
| Pretax income | 32,000 | 115,000 | 165,000 | 263,000 |
| Income tax | 1,000 | 3,000 | 4,000 | 7,000 |
| Net income | 31,000 | 112,000 | 161,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,519,000 | 3,600,000 | 3,649,000 | 3,744,000 |
| Total capital | 2,810,000 | 3,941,000 | 4,057,000 | 4,130,000 |
| Risk-weighted assets | 22,601,000 | 27,241,000 | 32,599,000 | 30,865,000 |