Call reports 2008
BANK OF QUINCY — 2008
What BANK OF QUINCY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 69,867,000 | 72,147,000 | 73,885,000 | 78,890,000 |
| Total loans | 59,459,000 | 63,501,000 | 64,547,000 | 68,016,000 |
| Allowance for loan losses | 631,000 | 661,000 | 678,000 | 688,000 |
| Securities available for sale | 2,786,000 | 2,523,000 | 1,721,000 | 2,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,247,000 | 58,778,000 | 60,269,000 | 63,970,000 |
| Interest-bearing deposits | 51,249,000 | 53,949,000 | 54,783,000 | 57,195,000 |
| Noninterest-bearing deposits | 5,998,000 | 4,829,000 | 5,486,000 | 6,775,000 |
| Equity capital | 5,961,000 | 6,194,000 | 6,428,000 | 6,694,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,183,000 | 2,389,000 | 3,590,000 | 4,775,000 |
| Interest expense | 576,000 | 1,116,000 | 1,648,000 | 2,178,000 |
| Net interest income | 607,000 | 1,273,000 | 1,942,000 | 2,597,000 |
| Noninterest income | 236,000 | 394,000 | 547,000 | 672,000 |
| Noninterest expense | 537,000 | 1,077,000 | 1,633,000 | 2,150,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 110,000 |
| Pretax income | 277,000 | 531,000 | 767,000 | 1,011,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 273,000 | 523,000 | 755,000 | 995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,936,000 | 6,186,000 | 6,418,000 | 6,658,000 |
| Total capital | 6,567,000 | 6,847,000 | 7,097,000 | 7,347,000 |
| Risk-weighted assets | 56,837,000 | 61,036,000 | 61,895,000 | 64,575,000 |