Call reports 2007
BANK OF QUINCY — 2007
What BANK OF QUINCY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 55,778,000 | 60,441,000 | 62,677,000 | 64,804,000 |
| Total loans | 49,710,000 | 53,944,000 | 56,921,000 | 56,788,000 |
| Allowance for loan losses | 549,000 | 560,000 | 586,000 | 603,000 |
| Securities available for sale | 1,243,000 | 1,241,000 | 1,992,000 | 2,499,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,696,000 | 49,751,000 | 52,246,000 | 53,499,000 |
| Interest-bearing deposits | 42,418,000 | 45,053,000 | 48,469,000 | 48,325,000 |
| Noninterest-bearing deposits | 3,278,000 | 4,698,000 | 3,777,000 | 5,174,000 |
| Equity capital | 5,050,000 | 5,223,000 | 5,411,000 | 5,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,145,000 | 3,314,000 | 4,556,000 |
| Interest expense | 520,000 | 1,073,000 | 1,691,000 | 2,311,000 |
| Net interest income | 516,000 | 1,072,000 | 1,623,000 | 2,245,000 |
| Noninterest income | 105,000 | 218,000 | 348,000 | 496,000 |
| Noninterest expense | 463,000 | 924,000 | 1,391,000 | 1,873,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 128,000 | 306,000 | 490,000 | 748,000 |
| Income tax | 3,000 | 6,000 | 8,000 | 11,000 |
| Net income | 125,000 | 300,000 | 482,000 | 737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,051,000 | 5,226,000 | 5,408,000 | 5,663,000 |
| Total capital | 5,600,000 | 5,786,000 | 5,994,000 | 6,266,000 |
| Risk-weighted assets | 46,226,000 | 51,043,000 | 53,481,000 | 53,689,000 |