Call reports 2003
QUILL BANK — 2003
What QUILL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 85,975,000 | 88,945,000 | 69,098,000 | 72,923,000 |
| Total loans | 60,357,000 | 55,908,000 | 49,081,000 | 45,449,000 |
| Allowance for loan losses | 2,399,000 | 2,314,000 | 1,693,000 | 1,851,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,225,000 | 79,180,000 | 62,542,000 | 66,210,000 |
| Interest-bearing deposits | 45,352,000 | 51,124,000 | 41,129,000 | 40,283,000 |
| Noninterest-bearing deposits | 27,873,000 | 28,056,000 | 21,413,000 | 25,927,000 |
| Equity capital | 6,585,000 | 6,591,000 | 6,383,000 | 6,667,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,246,000 | 2,465,000 | 3,578,000 | 4,504,000 |
| Interest expense | 210,000 | 401,000 | 570,000 | 714,000 |
| Net interest income | 1,036,000 | 2,064,000 | 3,008,000 | 3,790,000 |
| Noninterest income | 151,000 | 295,000 | 450,000 | 607,000 |
| Noninterest expense | 801,000 | 1,651,000 | 2,446,000 | 3,233,000 |
| Provision for loan losses | 0 | 0 | 558,000 | 1,196,000 |
| Pretax income | 386,000 | 708,000 | 454,000 | -32,000 |
| Income tax | 0 | 316,000 | 170,000 | 0 |
| Net income | 386,000 | 392,000 | 284,000 | -32,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,585,000 | 6,591,000 | 6,383,000 | 6,667,000 |
| Total capital | 7,447,000 | 7,388,000 | 7,072,000 | 7,361,000 |
| Risk-weighted assets | 66,663,000 | 62,236,000 | 54,141,000 | 54,377,000 |