Call reports 2005
BANK OF QUINCY — 2005
What BANK OF QUINCY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 39,992,000 | 40,868,000 | 44,677,000 | 45,546,000 |
| Total loans | 34,417,000 | 35,587,000 | 40,250,000 | 39,772,000 |
| Allowance for loan losses | 426,000 | 401,000 | 437,000 | 469,000 |
| Securities available for sale | 489,000 | 491,000 | 1,485,000 | 995,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,340,000 | 34,547,000 | 37,197,000 | 37,867,000 |
| Interest-bearing deposits | 31,176,000 | 30,940,000 | 33,901,000 | 34,470,000 |
| Noninterest-bearing deposits | 3,164,000 | 3,607,000 | 3,296,000 | 3,398,000 |
| Equity capital | 3,844,000 | 4,007,000 | 4,147,000 | 4,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 567,000 | 1,232,000 | 1,946,000 | 2,724,000 |
| Interest expense | 185,000 | 403,000 | 665,000 | 982,000 |
| Net interest income | 382,000 | 829,000 | 1,281,000 | 1,742,000 |
| Noninterest income | 107,000 | 197,000 | 300,000 | 415,000 |
| Noninterest expense | 352,000 | 698,000 | 1,076,000 | 1,444,000 |
| Provision for loan losses | 30,000 | 60,000 | 96,000 | 116,000 |
| Pretax income | 112,000 | 273,000 | 414,000 | 602,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 111,000 | 272,000 | 413,000 | 601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,855,000 | 4,016,000 | 4,157,000 | 4,345,000 |
| Total capital | 4,255,000 | 4,417,000 | 4,594,000 | 4,812,000 |
| Risk-weighted assets | 32,660,000 | 34,395,000 | 38,589,000 | 37,330,000 |